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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 | $119,303 | $69,590+71.4% | $136,867-12.8% | $94,015+26.9% |
| Participation rate | 47.4% | 66.3%-19.0pp | 74.5%-27.2pp | 70.8%-23.5pp |
| Annual return | 4.54% | 19.62%-15.1pp | 42.97%-38.4pp | 17.84%-13.3pp |
| Employer contribution / active EE | $1,866 | $2,396-22.2% | $3,547-47.4% | $2,790-33.1% |
| Participant deferral / active EE | $3,816 | $3,437+11.0% | $4,924-22.5% | $4,249-10.2% |
| Admin fee / account holder | $5,773 | $8,912-35.2% | $10,340-44.2% | $8,951-35.5% |