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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 | $93,664 | $76,551+22.4% | $123,894-24.4% | $62,881+49.0% |
| Participation rate | 56.1% | 73.0%-16.9pp | 81.4%-25.4pp | 69.3%-13.2pp |
| Annual return | -1.62% | 18.68%-20.3pp | 47.52%-49.1pp | 20.14%-21.8pp |
| Employer contribution / active EE | $2,869 | $2,882-0.5% | $4,617-37.9% | $2,281+25.8% |
| Participant deferral / active EE | $5,417 | $4,840+11.9% | $5,984-9.5% | $3,203+69.1% |
| Admin fee / account holder | $3,020 | $4,826-37.4% | $8,357-63.9% | $4,296-29.7% |