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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 | $216,703 | $106,749+103.0% | $145,433+49.0% | $82,448+162.8% |
| Participation rate | 64.0% | 75.6%-11.6pp | 82.1%-18.1pp | 68.1%-4.1pp |
| Annual return | 13.56% | 27.59%-14.0pp | 66.58%-53.0pp | 41.64%-28.1pp |
| Employer contribution / active EE | $2,805 | $3,444-18.6% | $4,554-38.4% | $2,551+10.0% |
| Participant deferral / active EE | $6,167 | $6,519-5.4% | $7,897-21.9% | $4,139+49.0% |
| Admin fee / account holder | $23,743 | $8,390+183.0% | $13,129+80.8% | $7,234+228.2% |