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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 | $110,131 | $101,063+9.0% | $81,473+35.2% | $147,585-25.4% |
| Participation rate | 42.1% | 74.5%-32.3pp | 68.0%-25.9pp | 82.8%-40.7pp |
| Annual return | 6.73% | 32.41%-25.7pp | 38.78%-32.1pp | 578.58%-571.9pp |
| Employer contribution / active EE | $1,920 | $3,206-40.1% | $2,568-25.2% | $4,876-60.6% |
| Participant deferral / active EE | $4,493 | $4,242+5.9% | $3,537+27.0% | $5,439-17.4% |
| Admin fee / account holder | $3,758 | $5,812-35.3% | $4,561-17.6% | $10,886-65.5% |