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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 | $88,945 | $183,592-51.6% | $155,574-42.8% | $145,877-39.0% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 5.57% | 61.37%-55.8pp | 64.87%-59.3pp | 551.28%-545.7pp |
| Employer contribution / active EE | $8,653 | $5,317+62.8% | $4,676+85.1% | $4,663+85.6% |
| Participant deferral / active EE | $7,578 | $6,466+17.2% | $5,629+34.6% | $6,691+13.3% |
| Admin fee / account holder | $30,553 | $19,316+58.2% | $15,914+92.0% | $13,402+128.0% |