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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 | $115,762 | $117,895-1.8% | $102,460+13.0% | $145,897-20.7% |
| Participation rate | 40.0% | 78.6%-38.6pp | 76.5%-36.5pp | 80.3%-40.3pp |
| Annual return | 7.77% | 31.92%-24.2pp | 29.47%-21.7pp | 552.29%-544.5pp |
| Employer contribution / active EE | $1,892 | $3,619-47.7% | $3,025-37.5% | $4,663-59.4% |
| Participant deferral / active EE | $3,742 | $5,736-34.8% | $5,056-26.0% | $6,689-44.1% |
| Admin fee / account holder | $2,353 | $13,353-82.4% | $9,460-75.1% | $13,390-82.4% |