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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 | $96,026 | $102,429-6.3% | $147,096-34.7% | $80,925+18.7% |
| Participation rate | 63.6% | 75.9%-12.2pp | 82.2%-18.5pp | 67.7%-4.0pp |
| Annual return | 9.53% | 135.02%-125.5pp | 419.75%-410.2pp | 35.65%-26.1pp |
| Employer contribution / active EE | $2,704 | $3,716-27.2% | $4,936-45.2% | $2,756-1.9% |
| Participant deferral / active EE | $5,598 | $6,649-15.8% | $8,071-30.6% | $4,299+30.2% |
| Admin fee / account holder | $858 | $7,957-89.2% | $13,005-93.4% | $6,940-87.6% |