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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 | $139,697 | $88,778+57.4% | $81,844+70.7% | $145,884-4.2% |
| Participation rate | 57.1% | 75.1%-17.9pp | 72.4%-15.2pp | 80.3%-23.2pp |
| Annual return | 8.35% | 1033.03%-1024.7pp | 778.87%-770.5pp | 551.85%-543.5pp |
| Employer contribution / active EE | $1,648 | $3,087-46.6% | $2,916-43.5% | $4,662-64.6% |
| Participant deferral / active EE | $3,629 | $4,648-21.9% | $4,323-16.1% | $6,690-45.8% |
| Admin fee / account holder | $27,707 | $8,430+228.7% | $7,355+276.7% | $13,392+106.9% |