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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 | $79,739 | $77,908+2.3% | $149,696-46.7% | $75,173+6.1% |
| Participation rate | 48.0% | 65.6%-17.6pp | 78.8%-30.8pp | 67.2%-19.2pp |
| Annual return | 13.31% | 31.73%-18.4pp | 134.46%-121.1pp | 160.72%-147.4pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $7,443 | $3,411+118.2% | $5,682+31.0% | $4,126+80.4% |
| Admin fee / account holder | $3,193 | $5,950-46.3% | $13,212-75.8% | $5,651-43.5% |