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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 | $104,305 | $108,942-4.3% | $100,415+3.9% | $145,897-28.5% |
| Participation rate | 60.0% | 83.0%-23.0pp | 81.5%-21.5pp | 80.3%-20.3pp |
| Annual return | 9.79% | 58.27%-48.5pp | 49.47%-39.7pp | 552.29%-542.5pp |
| Employer contribution / active EE | $997 | $4,422-77.5% | $3,943-74.7% | $4,663-78.6% |
| Participant deferral / active EE | $11,495 | $8,461+35.9% | $8,091+42.1% | $6,689+71.8% |
| Admin fee / account holder | $1,487 | $9,702-84.7% | $7,906-81.2% | $13,390-88.9% |