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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 | $81,637 | $69,977+16.7% | $108,582-24.8% | $62,881+29.8% |
| Participation rate | 64.7% | 72.9%-8.2pp | 79.6%-14.9pp | 69.3%-4.6pp |
| Annual return | -2.31% | 10.73%-13.0pp | -51.70%+49.4pp | 20.14%-22.5pp |
| Employer contribution / active EE | $1,320 | $2,135-38.2% | $3,758-64.9% | $2,281-42.1% |
| Participant deferral / active EE | $3,306 | $3,165+4.5% | $4,311-23.3% | $3,203+3.2% |
| Admin fee / account holder | $2,604 | $5,076-48.7% | $7,645-65.9% | $4,296-39.4% |