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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 | $198,539 | $95,453+108.0% | $112,040+77.2% | $82,448+140.8% |
| Participation rate | 48.6% | 72.8%-24.1pp | 76.5%-27.8pp | 68.1%-19.4pp |
| Annual return | 11.94% | 23.92%-12.0pp | 24.52%-12.6pp | 41.64%-29.7pp |
| Employer contribution / active EE | $1,177 | $2,318-49.2% | $2,954-60.1% | $2,551-53.8% |
| Participant deferral / active EE | $2,800 | $4,224-33.7% | $5,098-45.1% | $4,139-32.3% |
| Admin fee / account holder | $17,867 | $9,013+98.2% | $12,098+47.7% | $7,234+147.0% |