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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 | $166,571 | $160,070+4.1% | $147,117+13.2% | $145,897+14.2% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 8.17% | 98.69%-90.5pp | 420.54%-412.4pp | 552.29%-544.1pp |
| Employer contribution / active EE | $1,843 | $5,285-65.1% | $4,932-62.6% | $4,663-60.5% |
| Participant deferral / active EE | $6,226 | $8,419-26.1% | $8,065-22.8% | $6,689-6.9% |
| Admin fee / account holder | $1,564 | $15,035-89.6% | $12,993-88.0% | $13,390-88.3% |