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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 | $119,445 | $201,370-40.7% | $184,256-35.2% | $145,897-18.1% |
| Participation rate | 60.0% | 87.5%-27.5pp | 86.8%-26.8pp | 80.3%-20.3pp |
| Annual return | 4.22% | 29.05%-24.8pp | 28.85%-24.6pp | 552.29%-548.1pp |
| Employer contribution / active EE | $2,243 | $7,024-68.1% | $6,427-65.1% | $4,663-51.9% |
| Participant deferral / active EE | $11,914 | $9,808+21.5% | $9,133+30.4% | $6,689+78.1% |
| Admin fee / account holder | $971 | $16,364-94.1% | $13,899-93.0% | $13,390-92.7% |