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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 | $107,688 | $56,894+89.3% | $84,753+27.1% | $62,881+71.3% |
| Participation rate | 52.1% | 68.5%-16.5pp | 76.6%-24.5pp | 69.3%-17.2pp |
| Annual return | 4.16% | 6.30%-2.1pp | 22.78%-18.6pp | 20.14%-16.0pp |
| Employer contribution / active EE | $1,981 | $2,400-17.5% | $3,574-44.6% | $2,281-13.2% |
| Participant deferral / active EE | $1,444 | $2,709-46.7% | $3,712-61.1% | $3,203-54.9% |
| Admin fee / account holder | $10,606 | $3,581+196.2% | $5,333+98.9% | $4,296+146.9% |