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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 | $93,675 | $202,326-53.7% | $172,745-45.8% | $152,870-38.7% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.4%-32.4pp |
| Annual return | 5.28% | 1029.72%-1024.4pp | 802.90%-797.6pp | 345.34%-340.1pp |
| Employer contribution / active EE | $1,666 | $5,858-71.6% | $5,144-67.6% | $4,763-65.0% |
| Participant deferral / active EE | $6,366 | $5,948+7.0% | $5,197+22.5% | $5,850+8.8% |
| Admin fee / account holder | $48,775 | $17,110+185.1% | $13,954+249.5% | $11,597+320.6% |