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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 | $85,702 | $201,372-57.4% | $184,260-53.5% | $145,884-41.3% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 5.62% | 29.04%-23.4pp | 28.84%-23.2pp | 551.85%-546.2pp |
| Employer contribution / active EE | $11,002 | $7,024+56.6% | $6,427+71.2% | $4,662+136.0% |
| Participant deferral / active EE | $0 | $9,808-100.0% | $9,133-100.0% | $6,690-100.0% |
| Admin fee / account holder | $1,253 | $16,362-92.3% | $13,898-91.0% | $13,392-90.6% |