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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 | $95,847 | $78,607+21.9% | $105,624-9.3% | $74,478+28.7% |
| Participation rate | 68.9% | 72.8%-3.9pp | 75.3%-6.4pp | 67.2%+1.6pp |
| Annual return | 9.99% | 15.96%-6.0pp | 116.20%-106.2pp | 1370.56%-1360.6pp |
| Employer contribution / active EE | $732 | $2,523-71.0% | $3,168-76.9% | $2,626-72.1% |
| Participant deferral / active EE | $4,783 | $4,325+10.6% | $5,013-4.6% | $4,350+9.9% |
| Admin fee / account holder | $14,678 | $2,220+561.2% | $10,961+33.9% | $1,946+654.3% |