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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 | $63,441 | $89,259-28.9% | $107,187-40.8% | $82,637-23.2% |
| Participation rate | 58.1% | 67.9%-9.9pp | 75.0%-17.0pp | 68.1%-10.0pp |
| Annual return | 11.91% | 21.02%-9.1pp | 204.55%-192.6pp | 53.51%-41.6pp |
| Employer contribution / active EE | $2,263 | $3,080-26.5% | $3,782-40.2% | $2,552-11.3% |
| Participant deferral / active EE | $4,622 | $4,037+14.5% | $5,096-9.3% | $4,126+12.0% |
| Admin fee / account holder | $3,828 | $7,381-48.1% | $9,162-58.2% | $7,339-47.8% |