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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 | $87,318 | $81,358+7.3% | $155,556-43.9% | $80,959+7.9% |
| Participation rate | 44.2% | 66.3%-22.1pp | 78.2%-34.1pp | 67.7%-23.5pp |
| Annual return | 9.91% | 33.39%-23.5pp | 64.84%-54.9pp | 35.67%-25.8pp |
| Employer contribution / active EE | $1,435 | $3,106-53.8% | $4,675-69.3% | $2,757-48.0% |
| Participant deferral / active EE | $2,933 | $3,455-15.1% | $5,631-47.9% | $4,300-31.8% |
| Admin fee / account holder | $9,931 | $7,994+24.2% | $15,885-37.5% | $6,925+43.4% |