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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 | $157,406 | $172,111-8.5% | $150,298+4.7% | $137,256+14.7% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 11.29% | 69.37%-58.1pp | 62.79%-51.5pp | 220.34%-209.0pp |
| Employer contribution / active EE | $2,699 | $4,636-41.8% | $4,154-35.0% | $4,156-35.1% |
| Participant deferral / active EE | $15,754 | $6,166+155.5% | $5,453+188.9% | $6,407+145.9% |
| Admin fee / account holder | $2,480 | $16,471-84.9% | $14,116-82.4% | $12,270-79.8% |