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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 | $97,787 | $93,598+4.5% | $135,974-28.1% | $75,173+30.1% |
| Participation rate | 64.3% | 75.2%-10.9pp | 81.9%-17.6pp | 67.2%-2.9pp |
| Annual return | 13.14% | 30.89%-17.7pp | 68.30%-55.2pp | 160.72%-147.6pp |
| Employer contribution / active EE | $2,970 | $3,538-16.1% | $4,859-38.9% | $2,671+11.2% |
| Participant deferral / active EE | $5,417 | $6,405-15.4% | $7,760-30.2% | $4,126+31.3% |
| Admin fee / account holder | $40,475 | $6,978+480.1% | $10,767+275.9% | $5,651+616.3% |