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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 | $106,281 | $106,524-0.2% | $152,301-30.2% | $87,485+21.5% |
| Participation rate | 42.6% | 75.8%-33.2pp | 82.4%-39.9pp | 68.9%-26.3pp |
| Annual return | 6.49% | 26.89%-20.4pp | 80.50%-74.0pp | 26.06%-19.6pp |
| Employer contribution / active EE | $2,140 | $3,371-36.5% | $4,624-53.7% | $2,596-17.6% |
| Participant deferral / active EE | $3,399 | $6,525-47.9% | $8,004-57.5% | $4,274-20.5% |
| Admin fee / account holder | $8,418 | $8,287+1.6% | $14,398-41.5% | $7,775+8.3% |