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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 | $76,509 | $62,592+22.2% | $85,709-10.7% | $85,847-10.9% |
| Participation rate | 50.0% | 61.1%-11.1pp | 69.9%-19.9pp | 69.3%-19.3pp |
| Annual return | 10.51% | 23.77%-13.3pp | 21.49%-11.0pp | 318.61%-308.1pp |
| Employer contribution / active EE | $643 | $1,755-63.4% | $2,619-75.5% | $2,565-74.9% |
| Participant deferral / active EE | $2,076 | $2,802-25.9% | $3,924-47.1% | $3,952-47.5% |
| Admin fee / account holder | $9,661 | $4,643+108.1% | $6,876+40.5% | $6,261+54.3% |