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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 | $76,150 | $83,369-8.7% | $105,223-27.6% | $67,986+12.0% |
| Participation rate | 54.0% | 56.3%-2.3pp | 75.0%-21.1pp | 57.2%-3.2pp |
| Annual return | 11.18% | 24.64%-13.5pp | 180.65%-169.5pp | 31.67%-20.5pp |
| Employer contribution / active EE | $4,087 | $2,541+60.8% | $3,689+10.8% | $2,019+102.4% |
| Participant deferral / active EE | $1,558 | $3,295-52.7% | $5,072-69.3% | $3,358-53.6% |
| Admin fee / account holder | $18,546 | $4,073+355.4% | $8,859+109.4% | $3,203+479.0% |