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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 | $177,702 | $106,864+66.3% | $147,318+20.6% | $82,637+115.0% |
| Participation rate | 59.3% | 75.5%-16.2pp | 82.1%-22.8pp | 68.1%-8.8pp |
| Annual return | 9.52% | 27.49%-18.0pp | 70.43%-60.9pp | 53.51%-44.0pp |
| Employer contribution / active EE | $802 | $3,417-76.5% | $4,593-82.5% | $2,552-68.6% |
| Participant deferral / active EE | $6,462 | $6,496-0.5% | $7,906-18.3% | $4,126+56.6% |
| Admin fee / account holder | $71,702 | $8,415+752.1% | $13,708+423.1% | $7,339+877.0% |