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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 | $59,951 | $57,330+4.6% | $86,656-30.8% | $75,177-20.3% |
| Participation rate | 67.9% | 63.2%+4.7pp | 71.7%-3.8pp | 67.2%+0.7pp |
| Annual return | 9.49% | 2675.40%-2665.9pp | 593.09%-583.6pp | 160.75%-151.3pp |
| Employer contribution / active EE | $1,170 | $2,316-49.5% | $3,025-61.3% | $2,671-56.2% |
| Participant deferral / active EE | $1,123 | $3,320-66.2% | $4,439-74.7% | $4,126-72.8% |
| Admin fee / account holder | $2,243 | $4,115-45.5% | $5,619-60.1% | $5,651-60.3% |