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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 | $239,634 | $29,667+707.8% | $56,441+324.6% | $80,874+196.3% |
| Participation rate | 7.9% | 41.7%-33.8pp | 52.5%-44.6pp | 67.6%-59.8pp |
| Annual return | 7.15% | 35.22%-28.1pp | 1704.21%-1697.1pp | 35.62%-28.5pp |
| Employer contribution / active EE | $258 | $669-61.4% | $1,039-75.2% | $2,756-90.6% |
| Participant deferral / active EE | $1,164 | $1,227-5.1% | $1,953-40.4% | $4,297-72.9% |
| Admin fee / account holder | $2,334 | $2,429-3.9% | $2,829-17.5% | $6,935-66.3% |