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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 | $196,874 | $110,410+78.3% | $102,437+92.2% | $145,897+34.9% |
| Participation rate | 38.5% | 77.9%-39.5pp | 74.5%-36.0pp | 80.3%-41.8pp |
| Annual return | 5.19% | 24.85%-19.7pp | 24.95%-19.8pp | 552.29%-547.1pp |
| Employer contribution / active EE | $953 | $4,217-77.4% | $3,871-75.4% | $4,663-79.6% |
| Participant deferral / active EE | $2,816 | $5,622-49.9% | $5,060-44.3% | $6,689-57.9% |
| Admin fee / account holder | $6,574 | $9,745-32.5% | $8,388-21.6% | $13,390-50.9% |