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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 | $134,502 | $86,298+55.9% | $111,308+20.8% | $85,847+56.7% |
| Participation rate | 56.8% | 73.3%-16.5pp | 77.3%-20.5pp | 69.3%-12.5pp |
| Annual return | 8.08% | 19.99%-11.9pp | 54.67%-46.6pp | 318.61%-310.5pp |
| Employer contribution / active EE | $2,466 | $2,044+20.7% | $2,732-9.7% | $2,565-3.9% |
| Participant deferral / active EE | $2,341 | $3,641-35.7% | $4,487-47.8% | $3,952-40.8% |
| Admin fee / account holder | $5,139 | $8,189-37.3% | $7,965-35.5% | $6,261-17.9% |