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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 | $96,335 | $88,815+8.5% | $81,882+17.7% | $145,897-34.0% |
| Participation rate | 60.0% | 75.1%-15.1pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | 4.20% | 1033.75%-1029.5pp | 779.47%-775.3pp | 552.29%-548.1pp |
| Employer contribution / active EE | $3,953 | $3,086+28.1% | $2,916+35.6% | $4,663-15.2% |
| Participant deferral / active EE | $8,792 | $4,647+89.2% | $4,323+103.4% | $6,689+31.4% |
| Admin fee / account holder | $2,406 | $8,434-71.5% | $7,360-67.3% | $13,390-82.0% |