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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 | $120,887 | $55,902+116.2% | $76,030+59.0% | $80,959+49.3% |
| Participation rate | 58.0% | 62.1%-4.1pp | 69.1%-11.1pp | 67.7%-9.7pp |
| Annual return | 8.93% | 20.59%-11.7pp | 361.54%-352.6pp | 35.67%-26.7pp |
| Employer contribution / active EE | $1,760 | $1,867-5.7% | $2,688-34.5% | $2,757-36.2% |
| Participant deferral / active EE | $4,676 | $3,051+53.3% | $4,257+9.8% | $4,300+8.7% |
| Admin fee / account holder | $8,266 | $5,239+57.8% | $6,421+28.7% | $6,925+19.4% |