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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 | $88,366 | $69,273+27.6% | $90,796-2.7% | $82,637+6.9% |
| Participation rate | 57.8% | 64.0%-6.2pp | 69.5%-11.7pp | 68.1%-10.2pp |
| Annual return | 11.10% | 18.37%-7.3pp | 19.29%-8.2pp | 53.51%-42.4pp |
| Employer contribution / active EE | $1,603 | $1,865-14.1% | $2,294-30.1% | $2,552-37.2% |
| Participant deferral / active EE | $3,597 | $3,047+18.0% | $3,822-5.9% | $4,126-12.8% |
| Admin fee / account holder | $9,455 | $5,511+71.6% | $7,024+34.6% | $7,339+28.8% |