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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 | $98,427 | $109,620-10.2% | $148,496-33.7% | $94,015+4.7% |
| Participation rate | 46.0% | 71.3%-25.3pp | 76.0%-30.0pp | 70.8%-24.8pp |
| Annual return | 9.31% | 17.54%-8.2pp | 12.33%-3.0pp | 17.84%-8.5pp |
| Employer contribution / active EE | $1,163 | $2,618-55.6% | $3,497-66.8% | $2,790-58.3% |
| Participant deferral / active EE | $2,138 | $3,831-44.2% | $4,808-55.5% | $4,249-49.7% |
| Admin fee / account holder | $1,055 | $10,050-89.5% | $19,547-94.6% | $8,951-88.2% |