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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 | $87,150 | $82,882+5.2% | $127,803-31.8% | $72,976+19.4% |
| Participation rate | 53.8% | 71.5%-17.7pp | 79.0%-25.2pp | 69.5%-15.6pp |
| Annual return | 17.02% | 32.20%-15.2pp | 26.14%-9.1pp | 81.02%-64.0pp |
| Employer contribution / active EE | $1,223 | $3,346-63.4% | $4,576-73.3% | $2,440-49.9% |
| Participant deferral / active EE | $2,962 | $4,791-38.2% | $6,023-50.8% | $3,608-17.9% |
| Admin fee / account holder | $4,340 | $6,487-33.1% | $9,399-53.8% | $5,124-15.3% |