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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 | $153,775 | $65,361+135.3% | $92,903+65.5% | $72,983+110.7% |
| Participation rate | 44.8% | 68.3%-23.5pp | 76.0%-31.2pp | 69.5%-24.7pp |
| Annual return | 4.90% | 42.11%-37.2pp | 109.43%-104.5pp | 81.01%-76.1pp |
| Employer contribution / active EE | $1,877 | $2,594-27.7% | $3,653-48.6% | $2,440-23.1% |
| Participant deferral / active EE | $1,879 | $3,128-39.9% | $4,238-55.7% | $3,608-47.9% |
| Admin fee / account holder | $20,655 | $4,251+385.9% | $5,795+256.4% | $5,124+303.1% |