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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 | $110,239 | $102,663+7.4% | $86,216+27.9% | $139,466-21.0% |
| Participation rate | 57.1% | 74.5%-17.4pp | 69.0%-11.8pp | 80.3%-23.2pp |
| Annual return | 5.57% | 1924.52%-1918.9pp | 1169.42%-1163.8pp | 373.66%-368.1pp |
| Employer contribution / active EE | $1,387 | $3,035-54.3% | $2,382-41.7% | $4,754-70.8% |
| Participant deferral / active EE | $2,541 | $4,677-45.7% | $3,986-36.3% | $6,712-62.1% |
| Admin fee / account holder | $1,034 | $8,663-88.1% | $6,853-84.9% | $11,409-90.9% |