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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 | $105,196 | $185,312-43.2% | $161,489-34.9% | $154,746-32.0% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 3.99% | 103.84%-99.8pp | 89.72%-85.7pp | 172.34%-168.3pp |
| Employer contribution / active EE | $0 | $4,769-100.0% | $4,268-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $3,328 | $6,350-47.6% | $5,630-40.9% | $6,730-50.6% |
| Admin fee / account holder | $612,729 | $18,654+3184.6% | $16,006+3728.2% | $14,365+4165.4% |