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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 | $119,548 | $76,371+56.5% | $93,621+27.7% | $72,976+63.8% |
| Participation rate | 51.9% | 71.8%-19.8pp | 75.8%-23.9pp | 69.5%-17.5pp |
| Annual return | 14.85% | 25.82%-11.0pp | 32.76%-17.9pp | 81.02%-66.2pp |
| Employer contribution / active EE | $549 | $2,276-75.9% | $2,719-79.8% | $2,440-77.5% |
| Participant deferral / active EE | $5,491 | $3,538+55.2% | $4,070+34.9% | $3,608+52.2% |
| Admin fee / account holder | $12,960 | $6,839+89.5% | $7,890+64.3% | $5,124+152.9% |