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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 | $111,795 | $74,535+50.0% | $100,712+11.0% | $82,637+35.3% |
| Participation rate | 46.2% | 61.2%-15.0pp | 69.3%-23.1pp | 68.1%-21.9pp |
| Annual return | 7.44% | 18.92%-11.5pp | 33.27%-25.8pp | 53.51%-46.1pp |
| Employer contribution / active EE | $516 | $1,503-65.7% | $2,313-77.7% | $2,552-79.8% |
| Participant deferral / active EE | $1,885 | $3,074-38.7% | $4,085-53.9% | $4,126-54.3% |
| Admin fee / account holder | $5,191 | $6,576-21.1% | $9,256-43.9% | $7,339-29.3% |