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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 | $107,575 | $51,638+108.3% | $68,368+57.3% | $82,448+30.5% |
| Participation rate | 62.5% | 63.6%-1.1pp | 73.8%-11.3pp | 68.1%-5.6pp |
| Annual return | 12.62% | 37.53%-24.9pp | 292.57%-280.0pp | 41.64%-29.0pp |
| Employer contribution / active EE | $3,126 | $2,047+52.8% | $2,649+18.0% | $2,551+22.6% |
| Participant deferral / active EE | $4,976 | $2,914+70.8% | $4,123+20.7% | $4,139+20.2% |
| Admin fee / account holder | $7,696 | $4,643+65.7% | $5,150+49.4% | $7,234+6.4% |