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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 | $234,523 | $124,425+88.5% | $112,040+109.3% | $137,256+70.9% |
| Participation rate | 46.7% | 79.3%-32.6pp | 76.5%-29.8pp | 80.0%-33.3pp |
| Annual return | 6.99% | 24.72%-17.7pp | 24.52%-17.5pp | 220.34%-213.4pp |
| Employer contribution / active EE | $0 | $3,411-100.0% | $2,954-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $9,188 | $5,718+60.7% | $5,098+80.2% | $6,407+43.4% |
| Admin fee / account holder | $30,644 | $15,207+101.5% | $12,098+153.3% | $12,270+149.7% |