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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 | $143,589 | $160,028-10.3% | $147,080-2.4% | $145,884-1.6% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 7.80% | 98.60%-90.8pp | 420.17%-412.4pp | 551.85%-544.0pp |
| Employer contribution / active EE | $3,293 | $5,286-37.7% | $4,933-33.2% | $4,662-29.4% |
| Participant deferral / active EE | $11,937 | $8,422+41.7% | $8,066+48.0% | $6,690+78.4% |
| Admin fee / account holder | $647 | $15,030-95.7% | $12,989-95.0% | $13,392-95.2% |