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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 | $99,104 | $110,410-10.2% | $102,437-3.3% | $145,897-32.1% |
| Participation rate | 63.2% | 77.9%-14.8pp | 74.5%-11.4pp | 80.3%-17.1pp |
| Annual return | 7.95% | 24.85%-16.9pp | 24.95%-17.0pp | 552.29%-544.3pp |
| Employer contribution / active EE | $2,281 | $4,217-45.9% | $3,871-41.1% | $4,663-51.1% |
| Participant deferral / active EE | $3,840 | $5,622-31.7% | $5,060-24.1% | $6,689-42.6% |
| Admin fee / account holder | $19,606 | $9,745+101.2% | $8,388+133.7% | $13,390+46.4% |