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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 | $71,419 | $47,479+50.4% | $62,929+13.5% | $82,448-13.4% |
| Participation rate | 66.7% | 66.9%-0.2pp | 73.1%-6.4pp | 68.1%-1.4pp |
| Annual return | 11.49% | 20.34%-8.9pp | 1063.93%-1052.4pp | 41.64%-30.1pp |
| Employer contribution / active EE | $2,157 | $1,885+14.4% | $2,505-13.9% | $2,551-15.5% |
| Participant deferral / active EE | $9,114 | $2,870+217.5% | $3,888+134.4% | $4,139+120.2% |
| Admin fee / account holder | $14,168 | $3,804+272.5% | $5,065+179.8% | $7,234+95.8% |