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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 | $247,481 | $166,242+48.9% | $165,071+49.9% | $145,884+69.6% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.6%-12.0pp | 80.3%-13.6pp |
| Annual return | 4.03% | 100.44%-96.4pp | 70.17%-66.1pp | 551.85%-547.8pp |
| Employer contribution / active EE | $29,602 | $5,283+460.3% | $4,347+580.9% | $4,662+534.9% |
| Participant deferral / active EE | $7,667 | $6,964+10.1% | $6,035+27.0% | $6,690+14.6% |
| Admin fee / account holder | $4,198 | $16,658-74.8% | $12,695-66.9% | $13,392-68.7% |