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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 | $137,658 | $101,795+35.2% | $165,100-16.6% | $80,959+70.0% |
| Participation rate | 56.3% | 71.8%-15.5pp | 78.6%-22.3pp | 67.7%-11.3pp |
| Annual return | 9.15% | 16.73%-7.6pp | 70.21%-61.1pp | 35.67%-26.5pp |
| Employer contribution / active EE | $3,262 | $2,954+10.4% | $4,348-25.0% | $2,757+18.3% |
| Participant deferral / active EE | $4,283 | $4,476-4.3% | $6,035-29.0% | $4,300-0.4% |
| Admin fee / account holder | $44,490 | $8,221+441.2% | $12,696+250.4% | $6,925+542.4% |