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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 | $92,932 | $58,848+57.9% | $88,179+5.4% | $82,637+12.5% |
| Participation rate | 52.2% | 57.9%-5.7pp | 69.1%-17.0pp | 68.1%-15.9pp |
| Annual return | 9.54% | 22.76%-13.2pp | 64.97%-55.4pp | 53.51%-44.0pp |
| Employer contribution / active EE | $3,591 | $1,678+114.0% | $2,549+40.9% | $2,552+40.7% |
| Participant deferral / active EE | $2,612 | $3,124-16.4% | $4,614-43.4% | $4,126-36.7% |
| Admin fee / account holder | $7,878 | $4,795+64.3% | $7,673+2.7% | $7,339+7.3% |