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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 | $187,280 | $96,524+94.0% | $75,900+146.7% | $152,909+22.5% |
| Participation rate | 47.1% | 76.2%-29.1pp | 69.3%-22.2pp | 82.5%-35.4pp |
| Annual return | 11.80% | 33.93%-22.1pp | 30.73%-18.9pp | 345.46%-333.7pp |
| Employer contribution / active EE | $912 | $3,311-72.5% | $2,501-63.5% | $4,764-80.9% |
| Participant deferral / active EE | $2,873 | $4,554-36.9% | $3,604-20.3% | $5,851-50.9% |
| Admin fee / account holder | $138,557 | $8,082+1614.4% | $5,421+2455.9% | $11,601+1094.4% |