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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 | $125,033 | $108,825+14.9% | $156,181-19.9% | $82,448+51.7% |
| Participation rate | 69.2% | 72.4%-3.1pp | 78.8%-9.6pp | 68.1%+1.2pp |
| Annual return | 12.22% | 20.59%-8.4pp | 64.87%-52.6pp | 41.64%-29.4pp |
| Employer contribution / active EE | $908 | $2,870-68.3% | $4,294-78.8% | $2,551-64.4% |
| Participant deferral / active EE | $2,428 | $4,577-47.0% | $6,132-60.4% | $4,139-41.4% |
| Admin fee / account holder | $1,378 | $9,341-85.3% | $14,586-90.6% | $7,234-81.0% |