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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 | $70,986 | $70,587+0.6% | $124,693-43.1% | $85,856-17.3% |
| Participation rate | 45.8% | 64.4%-18.6pp | 74.6%-28.8pp | 69.3%-23.5pp |
| Annual return | 10.91% | 20688.83%-20677.9pp | 5144.19%-5133.3pp | 318.58%-307.7pp |
| Employer contribution / active EE | $1,525 | $1,913-20.3% | $3,324-54.1% | $2,565-40.5% |
| Participant deferral / active EE | $3,745 | $2,969+26.2% | $4,615-18.8% | $3,952-5.2% |
| Admin fee / account holder | $963 | $5,282-81.8% | $7,494-87.1% | $6,261-84.6% |