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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 | $140,283 | $105,198+33.4% | $159,455-12.0% | $85,856+63.4% |
| Participation rate | 64.3% | 75.8%-11.5pp | 82.8%-18.5pp | 69.3%-5.0pp |
| Annual return | 11.81% | 45.08%-33.3pp | 263.63%-251.8pp | 318.58%-306.8pp |
| Employer contribution / active EE | $1,970 | $3,319-40.6% | $4,830-59.2% | $2,565-23.2% |
| Participant deferral / active EE | $3,929 | $5,946-33.9% | $7,353-46.6% | $3,952-0.6% |
| Admin fee / account holder | $12,042 | $6,934+73.7% | $10,800+11.5% | $6,261+92.3% |