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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 | $113,566 | $79,961+42.0% | $98,462+15.3% | $75,177+51.1% |
| Participation rate | 53.8% | 70.4%-16.5pp | 75.2%-21.3pp | 67.2%-13.4pp |
| Annual return | 11.32% | 19.75%-8.4pp | 21.17%-9.9pp | 160.75%-149.4pp |
| Employer contribution / active EE | $1,402 | $2,264-38.1% | $3,049-54.0% | $2,671-47.5% |
| Participant deferral / active EE | $6,592 | $3,753+75.7% | $4,738+39.1% | $4,126+59.8% |
| Admin fee / account holder | $1,762 | $6,842-74.3% | $8,875-80.1% | $5,651-68.8% |