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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 | $216,899 | $93,345+132.4% | $119,126+82.1% | $87,485+147.9% |
| Participation rate | 61.0% | 68.7%-7.7pp | 75.8%-14.7pp | 68.9%-7.9pp |
| Annual return | 9.52% | 19.08%-9.6pp | 282.11%-272.6pp | 26.06%-16.5pp |
| Employer contribution / active EE | $4,818 | $3,172+51.9% | $4,034+19.4% | $2,596+85.6% |
| Participant deferral / active EE | $5,595 | $4,099+36.5% | $5,318+5.2% | $4,274+30.9% |
| Admin fee / account holder | $31,214 | $8,039+288.3% | $10,693+191.9% | $7,775+301.5% |