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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $150,235 | $68,681+118.7% | $86,625+73.4% | $85,851+75.0% |
| Participation rate | 51.4% | 66.4%-15.0pp | 71.6%-20.3pp | 69.3%-17.9pp |
| Annual return | 10.80% | 20.12%-9.3pp | 63.52%-52.7pp | 318.63%-307.8pp |
| Employer contribution / active EE | $0 | $1,880-100.0% | $2,496-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,801 | $2,919+30.2% | $3,700+2.7% | $3,952-3.8% |
| Admin fee / account holder | $11,890 | $5,974+99.0% | $5,830+103.9% | $6,261+89.9% |