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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 | $118,080 | $72,486+62.9% | $87,103+35.6% | $72,976+61.8% |
| Participation rate | 51.1% | 72.8%-21.7pp | 76.9%-25.8pp | 69.5%-18.4pp |
| Annual return | 12.30% | 24.46%-12.2pp | 28.19%-15.9pp | 81.02%-68.7pp |
| Employer contribution / active EE | $728 | $1,894-61.5% | $2,521-71.1% | $2,440-70.2% |
| Participant deferral / active EE | $2,077 | $3,270-36.5% | $4,049-48.7% | $3,608-42.4% |
| Admin fee / account holder | $9,454 | $5,055+87.0% | $7,491+26.2% | $5,124+84.5% |