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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 | $129,239 | $99,345+30.1% | $84,753+52.5% | $273,972-52.8% |
| Participation rate | 50.0% | 80.7%-30.7pp | 76.6%-26.6pp | 83.0%-33.0pp |
| Annual return | -0.64% | 22.93%-23.6pp | 22.78%-23.4pp | 41.46%-42.1pp |
| Employer contribution / active EE | $3,961 | $4,214-6.0% | $3,574+10.8% | $4,869-18.6% |
| Participant deferral / active EE | $9,814 | $4,270+129.8% | $3,712+164.4% | $5,287+85.6% |
| Admin fee / account holder | $18,758 | $6,645+182.3% | $5,333+251.7% | $10,133+85.1% |