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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 | $97,648+0.8% | $121,663-19.1% | $87,485+12.5% |
| Participation rate | 46.0% | 70.5%-24.5pp | 74.5%-28.5pp | 68.9%-22.9pp |
| Annual return | 9.31% | 18.03%-8.7pp | 147.54%-138.2pp | 26.06%-16.7pp |
| Employer contribution / active EE | $1,163 | $2,300-49.5% | $3,020-61.5% | $2,596-55.2% |
| Participant deferral / active EE | $2,138 | $3,923-45.5% | $4,887-56.2% | $4,274-50.0% |
| Admin fee / account holder | $1,055 | $11,100-90.5% | $14,289-92.6% | $7,775-86.4% |