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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 | $152,676 | $76,407+99.8% | $150,298+1.6% | $82,448+85.2% |
| Participation rate | 51.2% | 66.4%-15.2pp | 77.8%-26.6pp | 68.1%-16.9pp |
| Annual return | 10.54% | 39.99%-29.5pp | 62.79%-52.2pp | 41.64%-31.1pp |
| Employer contribution / active EE | $884 | $2,614-66.2% | $4,154-78.7% | $2,551-65.4% |
| Participant deferral / active EE | $3,146 | $3,214-2.1% | $5,453-42.3% | $4,139-24.0% |
| Admin fee / account holder | $2,893 | $6,352-54.5% | $14,116-79.5% | $7,234-60.0% |