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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 | $189,836 | $68,586+176.8% | $120,380+57.7% | $80,911+134.6% |
| Participation rate | 35.1% | 61.6%-26.4pp | 71.9%-36.8pp | 67.6%-32.5pp |
| Annual return | 8.39% | 23.62%-15.2pp | 107.28%-98.9pp | 35.63%-27.2pp |
| Employer contribution / active EE | $1,758 | $2,053-14.4% | $3,465-49.3% | $2,756-36.2% |
| Participant deferral / active EE | $5,362 | $3,174+68.9% | $4,992+7.4% | $4,297+24.8% |
| Admin fee / account holder | $5,243 | $5,733-8.5% | $9,421-44.3% | $6,935-24.4% |