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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 | $67,375 | $65,555+2.8% | $86,216-21.9% | $75,173-10.4% |
| Participation rate | 48.9% | 60.5%-11.6pp | 69.0%-20.1pp | 67.2%-18.3pp |
| Annual return | 12.44% | 46.07%-33.6pp | 1169.42%-1157.0pp | 160.72%-148.3pp |
| Employer contribution / active EE | $864 | $1,553-44.4% | $2,382-63.7% | $2,671-67.6% |
| Participant deferral / active EE | $3,456 | $3,023+14.3% | $3,986-13.3% | $4,126-16.2% |
| Admin fee / account holder | $4,373 | $5,469-20.0% | $6,853-36.2% | $5,651-22.6% |