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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 | $103,938 | $183,592-43.4% | $155,574-33.2% | $145,877-28.7% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 7.36% | 61.37%-54.0pp | 64.87%-57.5pp | 551.28%-543.9pp |
| Employer contribution / active EE | $3,055 | $5,317-42.5% | $4,676-34.7% | $4,663-34.5% |
| Participant deferral / active EE | $7,375 | $6,466+14.1% | $5,629+31.0% | $6,691+10.2% |
| Admin fee / account holder | $619 | $19,316-96.8% | $15,914-96.1% | $13,402-95.4% |