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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 | $105,926 | $95,404+11.0% | $113,397-6.6% | $82,637+28.2% |
| Participation rate | 58.3% | 72.8%-14.5pp | 76.5%-18.2pp | 68.1%-9.7pp |
| Annual return | 11.51% | 19.08%-7.6pp | 23.20%-11.7pp | 53.51%-42.0pp |
| Employer contribution / active EE | $2,899 | $2,307+25.7% | $2,977-2.6% | $2,552+13.6% |
| Participant deferral / active EE | $5,659 | $4,220+34.1% | $5,076+11.5% | $4,126+37.1% |
| Admin fee / account holder | $20,243 | $9,168+120.8% | $11,957+69.3% | $7,339+175.8% |