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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 | $116,606 | $183,592-36.5% | $155,574-25.0% | $145,877-20.1% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 8.49% | 61.37%-52.9pp | 64.87%-56.4pp | 551.28%-542.8pp |
| Employer contribution / active EE | $8,217 | $5,317+54.5% | $4,676+75.7% | $4,663+76.2% |
| Participant deferral / active EE | $5,944 | $6,466-8.1% | $5,629+5.6% | $6,691-11.2% |
| Admin fee / account holder | $937 | $19,316-95.1% | $15,914-94.1% | $13,402-93.0% |