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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 | $109,223 | $80,992+34.9% | $96,534+13.1% | $75,173+45.3% |
| Participation rate | 41.2% | 71.8%-30.6pp | 76.0%-34.8pp | 67.2%-26.0pp |
| Annual return | 5.26% | 27.05%-21.8pp | 25.88%-20.6pp | 160.72%-155.5pp |
| Employer contribution / active EE | $1,446 | $2,283-36.6% | $2,965-51.2% | $2,671-45.9% |
| Participant deferral / active EE | $2,551 | $3,929-35.1% | $4,851-47.4% | $4,126-38.2% |
| Admin fee / account holder | $1,265 | $6,717-81.2% | $8,253-84.7% | $5,651-77.6% |