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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 | $123,375 | $27,936+341.6% | $58,561+110.7% | $75,173+64.1% |
| Participation rate | 23.1% | 38.8%-15.8pp | 50.9%-27.8pp | 67.2%-44.1pp |
| Annual return | 11.35% | 44.21%-32.9pp | 4251.33%-4240.0pp | 160.72%-149.4pp |
| Employer contribution / active EE | $742 | $670+10.8% | $1,053-29.6% | $2,671-72.2% |
| Participant deferral / active EE | $1,492 | $1,202+24.2% | $1,923-22.4% | $4,126-63.8% |
| Admin fee / account holder | $135,927 | $1,727+7772.0% | $2,520+5292.9% | $5,651+2305.6% |