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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 | $136,843 | $87,132+57.1% | $105,624+29.6% | $80,959+69.0% |
| Participation rate | 53.6% | 70.4%-16.9pp | 75.3%-21.7pp | 67.7%-14.1pp |
| Annual return | 7.05% | 17.03%-10.0pp | 116.20%-109.2pp | 35.67%-28.6pp |
| Employer contribution / active EE | $1,472 | $2,397-38.6% | $3,168-53.5% | $2,757-46.6% |
| Participant deferral / active EE | $6,020 | $3,985+51.0% | $5,013+20.1% | $4,300+40.0% |
| Admin fee / account holder | $2,503 | $8,449-70.4% | $10,961-77.2% | $6,925-63.9% |