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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 | $127,338 | $117,895+8.0% | $102,460+24.3% | $145,897-12.7% |
| Participation rate | 65.0% | 78.6%-13.6pp | 76.5%-11.5pp | 80.3%-15.3pp |
| Annual return | 6.96% | 31.92%-25.0pp | 29.47%-22.5pp | 552.29%-545.3pp |
| Employer contribution / active EE | $3,571 | $3,619-1.3% | $3,025+18.0% | $4,663-23.4% |
| Participant deferral / active EE | $3,908 | $5,736-31.9% | $5,056-22.7% | $6,689-41.6% |
| Admin fee / account holder | $5,414 | $13,353-59.5% | $9,460-42.8% | $13,390-59.6% |