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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 | $115,791 | $174,379-33.6% | $152,093-23.9% | $138,895-16.6% |
| Participation rate | 60.0% | 81.6%-21.6pp | 77.8%-17.8pp | 79.9%-19.9pp |
| Annual return | 9.85% | 74.86%-65.0pp | 66.36%-56.5pp | 145.39%-135.5pp |
| Employer contribution / active EE | $2,916 | $4,652-37.3% | $4,175-30.2% | $4,194-30.5% |
| Participant deferral / active EE | $5,936 | $6,159-3.6% | $5,451+8.9% | $6,396-7.2% |
| Admin fee / account holder | $2,674 | $16,880-84.2% | $14,497-81.6% | $12,562-78.7% |