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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 | $165,902 | $86,938+90.8% | $102,423+62.0% | $80,925+105.0% |
| Participation rate | 52.6% | 72.4%-19.8pp | 76.5%-23.9pp | 67.7%-15.0pp |
| Annual return | 8.36% | 18.89%-10.5pp | 29.42%-21.1pp | 35.65%-27.3pp |
| Employer contribution / active EE | $1,264 | $2,369-46.7% | $3,023-58.2% | $2,756-54.1% |
| Participant deferral / active EE | $3,357 | $4,120-18.5% | $5,054-33.6% | $4,299-21.9% |
| Admin fee / account holder | $7,435 | $8,053-7.7% | $9,455-21.4% | $6,940+7.1% |