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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 | $158,402 | $76,834+106.2% | $108,359+46.2% | $87,485+81.1% |
| Participation rate | 69.0% | 61.7%+7.2pp | 70.1%-1.2pp | 68.9%0pp |
| Annual return | 11.95% | 19.09%-7.1pp | 36.89%-24.9pp | 26.06%-14.1pp |
| Employer contribution / active EE | $2,804 | $1,556+80.2% | $2,399+16.9% | $2,596+8.0% |
| Participant deferral / active EE | $5,236 | $3,100+68.9% | $4,137+26.6% | $4,274+22.5% |
| Admin fee / account holder | $59,486 | $6,537+810.0% | $9,741+510.7% | $7,775+665.1% |