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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 | $86,568 | $72,492+19.4% | $87,104-0.6% | $72,975+18.6% |
| Participation rate | 30.2% | 72.8%-42.7pp | 76.9%-46.7pp | 69.5%-39.3pp |
| Annual return | 12.71% | 24.46%-11.8pp | 28.19%-15.5pp | 81.01%-68.3pp |
| Employer contribution / active EE | $839 | $1,894-55.7% | $2,521-66.7% | $2,440-65.6% |
| Participant deferral / active EE | $2,510 | $3,270-23.2% | $4,048-38.0% | $3,608-30.4% |
| Admin fee / account holder | $6,078 | $5,055+20.2% | $7,491-18.9% | $5,124+18.6% |