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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 | $175,746 | $98,766+77.9% | $149,730+17.4% | $79,852+120.1% |
| Participation rate | 61.8% | 75.8%-14.0pp | 82.5%-20.7pp | 69.6%-7.8pp |
| Annual return | 5.11% | 27.43%-22.3pp | 276.70%-271.6pp | 31.72%-26.6pp |
| Employer contribution / active EE | $1,767 | $3,217-45.1% | $4,645-62.0% | $2,471-28.5% |
| Participant deferral / active EE | $5,492 | $5,681-3.3% | $6,843-19.7% | $3,740+46.8% |
| Admin fee / account holder | $5,469 | $6,052-9.6% | $9,310-41.3% | $5,306+3.1% |