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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 | $229,867 | $81,457+182.2% | $103,378+122.4% | $80,911+184.1% |
| Participation rate | 68.0% | 66.8%+1.2pp | 74.5%-6.5pp | 67.6%+0.4pp |
| Annual return | 8.96% | 25.58%-16.6pp | 24.91%-16.0pp | 35.63%-26.7pp |
| Employer contribution / active EE | $3,398 | $3,107+9.4% | $3,870-12.2% | $2,756+23.3% |
| Participant deferral / active EE | $10,111 | $3,871+161.2% | $5,058+99.9% | $4,297+135.3% |
| Admin fee / account holder | $5,412 | $6,717-19.4% | $8,401-35.6% | $6,935-22.0% |