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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 | $82,603 | $67,894+21.7% | $89,340-7.5% | $82,448+0.2% |
| Participation rate | 50.0% | 64.0%-14.0pp | 69.6%-19.6pp | 68.1%-18.1pp |
| Annual return | 8.38% | 19.21%-10.8pp | 20.57%-12.2pp | 41.64%-33.3pp |
| Employer contribution / active EE | $971 | $1,828-46.9% | $2,231-56.5% | $2,551-61.9% |
| Participant deferral / active EE | $2,739 | $3,072-10.9% | $3,823-28.4% | $4,139-33.8% |
| Admin fee / account holder | $29,443 | $5,723+414.5% | $6,704+339.2% | $7,234+307.0% |