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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 | $89,768 | $88,672+1.2% | $105,223-14.7% | $82,448+8.9% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 10.20% | 30.86%-20.7pp | 180.65%-170.5pp | 41.64%-31.4pp |
| Employer contribution / active EE | $1,356 | $3,048-55.5% | $3,689-63.2% | $2,551-46.8% |
| Participant deferral / active EE | $1,929 | $4,036-52.2% | $5,072-62.0% | $4,139-53.4% |
| Admin fee / account holder | $20,194 | $7,146+182.6% | $8,859+127.9% | $7,234+179.1% |