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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 | $82,261 | $93,598-12.1% | $135,974-39.5% | $75,173+9.4% |
| Participation rate | 60.5% | 75.2%-14.7pp | 81.9%-21.5pp | 67.2%-6.7pp |
| Annual return | 8.35% | 30.89%-22.5pp | 68.30%-60.0pp | 160.72%-152.4pp |
| Employer contribution / active EE | $4,966 | $3,538+40.4% | $4,859+2.2% | $2,671+85.9% |
| Participant deferral / active EE | $5,847 | $6,405-8.7% | $7,760-24.6% | $4,126+41.7% |
| Admin fee / account holder | $5,146 | $6,978-26.3% | $10,767-52.2% | $5,651-8.9% |