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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 | $53,751 | $32,037+67.8% | $69,182-22.3% | $62,881-14.5% |
| Participation rate | 58.0% | 43.4%+14.6pp | 55.1%+2.9pp | 69.3%-11.3pp |
| Annual return | 3.17% | 15.16%-12.0pp | -21.93%+25.1pp | 20.14%-17.0pp |
| Employer contribution / active EE | $674 | $679-0.7% | $1,206-44.1% | $2,281-70.4% |
| Participant deferral / active EE | $1,036 | $1,185-12.6% | $1,897-45.4% | $3,203-67.7% |
| Admin fee / account holder | $1,299 | $2,608-50.2% | $2,697-51.8% | $4,296-69.8% |