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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 | $52,368 | $93,598-44.0% | $135,974-61.5% | $75,173-30.3% |
| Participation rate | 54.3% | 75.2%-20.9pp | 81.9%-27.6pp | 67.2%-12.9pp |
| Annual return | 14.78% | 30.89%-16.1pp | 68.30%-53.5pp | 160.72%-145.9pp |
| Employer contribution / active EE | $2,383 | $3,538-32.7% | $4,859-51.0% | $2,671-10.8% |
| Participant deferral / active EE | $5,154 | $6,405-19.5% | $7,760-33.6% | $4,126+24.9% |
| Admin fee / account holder | $5,355 | $6,978-23.3% | $10,767-50.3% | $5,651-5.2% |