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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 | $119,214 | $106,280+12.2% | $96,538+23.5% | $139,487-14.5% |
| Participation rate | 28.6% | 77.8%-49.3pp | 74.3%-45.8pp | 80.3%-51.8pp |
| Annual return | 2.45% | 38.48%-36.0pp | 35.74%-33.3pp | 373.84%-371.4pp |
| Employer contribution / active EE | $1,404 | $4,107-65.8% | $3,740-62.5% | $4,755-70.5% |
| Participant deferral / active EE | $3,067 | $5,457-43.8% | $4,880-37.2% | $6,713-54.3% |
| Admin fee / account holder | $1,927 | $7,888-75.6% | $6,737-71.4% | $11,407-83.1% |