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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 | $125,220 | $89,259+40.3% | $107,187+16.8% | $82,637+51.5% |
| Participation rate | 38.2% | 67.9%-29.7pp | 75.0%-36.8pp | 68.1%-29.9pp |
| Annual return | 9.16% | 21.02%-11.9pp | 204.55%-195.4pp | 53.51%-44.3pp |
| Employer contribution / active EE | $1,018 | $3,080-66.9% | $3,782-73.1% | $2,552-60.1% |
| Participant deferral / active EE | $2,555 | $4,037-36.7% | $5,096-49.9% | $4,126-38.1% |
| Admin fee / account holder | $18,971 | $7,381+157.0% | $9,162+107.1% | $7,339+158.5% |