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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 | $122,521 | $58,311+110.1% | $81,882+49.6% | $80,959+51.3% |
| Participation rate | 28.6% | 63.5%-34.9pp | 72.4%-43.8pp | 67.7%-39.1pp |
| Annual return | 1.66% | 41.85%-40.2pp | 779.47%-777.8pp | 35.67%-34.0pp |
| Employer contribution / active EE | $719 | $2,347-69.4% | $2,916-75.3% | $2,757-73.9% |
| Participant deferral / active EE | $1,087 | $3,287-66.9% | $4,323-74.9% | $4,300-74.7% |
| Admin fee / account holder | $7,156 | $4,752+50.6% | $7,360-2.8% | $6,925+3.3% |