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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 | $49,551 | $57,590-14.0% | $86,233-42.5% | $82,448-39.9% |
| Participation rate | 37.8% | 57.9%-20.0pp | 69.0%-31.2pp | 68.1%-30.2pp |
| Annual return | 13.08% | 22.41%-9.3pp | 61.39%-48.3pp | 41.64%-28.6pp |
| Employer contribution / active EE | $1,908 | $1,655+15.3% | $2,504-23.8% | $2,551-25.2% |
| Participant deferral / active EE | $2,429 | $3,080-21.1% | $4,559-46.7% | $4,139-41.3% |
| Admin fee / account holder | $6,664 | $4,730+40.9% | $8,342-20.1% | $7,234-7.9% |