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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 | $86,833 | $86,298+0.6% | $111,308-22.0% | $85,847+1.1% |
| Participation rate | 56.1% | 73.3%-17.2pp | 77.3%-21.2pp | 69.3%-13.2pp |
| Annual return | 10.62% | 19.99%-9.4pp | 54.67%-44.0pp | 318.61%-308.0pp |
| Employer contribution / active EE | $2,934 | $2,044+43.6% | $2,732+7.4% | $2,565+14.4% |
| Participant deferral / active EE | $4,096 | $3,641+12.5% | $4,487-8.7% | $3,952+3.6% |
| Admin fee / account holder | $800 | $8,189-90.2% | $7,965-90.0% | $6,261-87.2% |