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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 | $90,409 | $83,369+8.4% | $105,223-14.1% | $67,986+33.0% |
| Participation rate | 45.7% | 56.3%-10.6pp | 75.0%-29.3pp | 57.2%-11.5pp |
| Annual return | 10.52% | 24.64%-14.1pp | 180.65%-170.1pp | 31.67%-21.1pp |
| Employer contribution / active EE | $1,896 | $2,541-25.4% | $3,689-48.6% | $2,019-6.1% |
| Participant deferral / active EE | $3,609 | $3,295+9.5% | $5,072-28.8% | $3,358+7.5% |
| Admin fee / account holder | $2,391 | $4,073-41.3% | $8,859-73.0% | $3,203-25.4% |