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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 | $124,043 | $114,013+8.8% | $103,693+19.6% | $155,188-20.1% |
| Participation rate | 66.7% | 75.2%-8.5pp | 72.6%-6.0pp | 80.8%-14.1pp |
| Annual return | 6.50% | 49.31%-42.8pp | 47.61%-41.1pp | 148.84%-142.3pp |
| Employer contribution / active EE | $5,500 | $3,131+75.7% | $2,920+88.3% | $4,248+29.5% |
| Participant deferral / active EE | $9,775 | $4,970+96.7% | $4,579+113.5% | $6,531+49.7% |
| Admin fee / account holder | $99,373 | $8,407+1082.0% | $7,858+1164.6% | $14,480+586.3% |