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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 | $120,098 | $86,919+38.2% | $102,457+17.2% | $80,911+48.4% |
| Participation rate | 41.7% | 72.4%-30.7pp | 76.5%-34.8pp | 67.6%-26.0pp |
| Annual return | 9.61% | 18.90%-9.3pp | 29.41%-19.8pp | 35.63%-26.0pp |
| Employer contribution / active EE | $1,820 | $2,368-23.2% | $3,022-39.8% | $2,756-34.0% |
| Participant deferral / active EE | $3,955 | $4,119-4.0% | $5,054-21.8% | $4,297-8.0% |
| Admin fee / account holder | $19,978 | $8,049+148.2% | $9,451+111.4% | $6,935+188.1% |