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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 | $157,931 | $73,787+114.0% | $98,716+60.0% | $82,448+91.6% |
| Participation rate | 60.5% | 61.4%-0.9pp | 69.3%-8.8pp | 68.1%-7.6pp |
| Annual return | 10.33% | 18.57%-8.2pp | 31.81%-21.5pp | 41.64%-31.3pp |
| Employer contribution / active EE | $1,555 | $1,511+2.9% | $2,279-31.8% | $2,551-39.1% |
| Participant deferral / active EE | $5,169 | $3,081+67.8% | $4,048+27.7% | $4,139+24.9% |
| Admin fee / account holder | $19,426 | $6,500+198.8% | $8,703+123.2% | $7,234+168.5% |