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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 | $67,977 | $60,349+12.6% | $74,184-8.4% | $62,881+8.1% |
| Participation rate | 56.8% | 72.7%-16.0pp | 76.6%-19.9pp | 69.3%-12.5pp |
| Annual return | -4.22% | 21.38%-25.6pp | 17.74%-22.0pp | 20.14%-24.4pp |
| Employer contribution / active EE | $2,256 | $1,680+34.3% | $2,370-4.8% | $2,281-1.1% |
| Participant deferral / active EE | $4,310 | $2,856+50.9% | $3,550+21.4% | $3,203+34.6% |
| Admin fee / account holder | $5,179 | $4,261+21.5% | $5,586-7.3% | $4,296+20.6% |