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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 | $42,039 | $37,446+12.3% | $77,552-45.8% | $79,856-47.4% |
| Participation rate | 46.7% | 41.5%+5.1pp | 54.2%-7.5pp | 69.6%-23.0pp |
| Annual return | 4.04% | 39.76%-35.7pp | 54.82%-50.8pp | 31.71%-27.7pp |
| Employer contribution / active EE | $906 | $637+42.1% | $987-8.2% | $2,471-63.4% |
| Participant deferral / active EE | $1,674 | $1,261+32.8% | $1,861-10.0% | $3,741-55.2% |
| Admin fee / account holder | $7,107 | $2,506+183.6% | $2,859+148.6% | $5,306+33.9% |