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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 | $81,826 | $76,407+7.1% | $150,298-45.6% | $82,448-0.8% |
| Participation rate | 60.5% | 66.4%-5.9pp | 77.8%-17.3pp | 68.1%-7.6pp |
| Annual return | 11.46% | 39.99%-28.5pp | 62.79%-51.3pp | 41.64%-30.2pp |
| Employer contribution / active EE | $911 | $2,614-65.1% | $4,154-78.1% | $2,551-64.3% |
| Participant deferral / active EE | $2,017 | $3,214-37.3% | $5,453-63.0% | $4,139-51.3% |
| Admin fee / account holder | $3,352 | $6,352-47.2% | $14,116-76.3% | $7,234-53.7% |