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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 | $74,379 | $58,234+27.7% | $81,783-9.1% | $80,874-8.0% |
| Participation rate | 37.1% | 63.4%-26.3pp | 72.4%-35.2pp | 67.6%-30.5pp |
| Annual return | 9.49% | 41.70%-32.2pp | 775.05%-765.6pp | 35.62%-26.1pp |
| Employer contribution / active EE | $1,205 | $2,341-48.5% | $2,913-58.6% | $2,756-56.3% |
| Participant deferral / active EE | $2,509 | $3,283-23.6% | $4,320-41.9% | $4,297-41.6% |
| Admin fee / account holder | $549 | $4,982-89.0% | $7,380-92.6% | $6,935-92.1% |