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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 | $87,535 | $65,434+33.8% | $98,483-11.1% | $85,847+2.0% |
| Participation rate | 52.0% | 65.0%-13.0pp | 73.3%-21.3pp | 69.3%-17.3pp |
| Annual return | 10.19% | 21.75%-11.6pp | 1494.38%-1484.2pp | 318.61%-308.4pp |
| Employer contribution / active EE | $471 | $2,169-78.3% | $2,961-84.1% | $2,565-81.6% |
| Participant deferral / active EE | $2,291 | $3,168-27.7% | $4,276-46.4% | $3,952-42.0% |
| Admin fee / account holder | $3,674 | $4,595-20.1% | $5,953-38.3% | $6,261-41.3% |