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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 | $122,994 | $103,000+19.4% | $90,300+36.2% | $152,885-19.6% |
| Participation rate | 65.0% | 75.9%-10.9pp | 73.3%-8.3pp | 82.5%-17.5pp |
| Annual return | 1.72% | 95.19%-93.5pp | 78.11%-76.4pp | 345.39%-343.7pp |
| Employer contribution / active EE | $713 | $3,138-77.3% | $2,854-75.0% | $4,763-85.0% |
| Participant deferral / active EE | $3,053 | $4,281-28.7% | $3,884-21.4% | $5,851-47.8% |
| Admin fee / account holder | $16,851 | $6,173+173.0% | $5,353+214.8% | $11,598+45.3% |