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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 | $210,917 | $110,410+91.0% | $102,437+105.9% | $145,897+44.6% |
| Participation rate | 64.7% | 77.9%-13.2pp | 74.5%-9.8pp | 80.3%-15.6pp |
| Annual return | 7.79% | 24.85%-17.1pp | 24.95%-17.2pp | 552.29%-544.5pp |
| Employer contribution / active EE | $3,605 | $4,217-14.5% | $3,871-6.9% | $4,663-22.7% |
| Participant deferral / active EE | $8,953 | $5,622+59.3% | $5,060+76.9% | $6,689+33.8% |
| Admin fee / account holder | $14,737 | $9,745+51.2% | $8,388+75.7% | $13,390+10.1% |