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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 | $67,493 | $63,845+5.7% | $81,370-17.1% | $80,959-16.6% |
| Participation rate | 67.6% | 63.9%+3.8pp | 69.5%-1.9pp | 67.7%0pp |
| Annual return | 9.57% | 16.37%-6.8pp | 24.85%-15.3pp | 35.67%-26.1pp |
| Employer contribution / active EE | $0 | $1,980-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,547 | $3,093-50.0% | $3,885-60.2% | $4,300-64.0% |
| Admin fee / account holder | $4,011 | $5,688-29.5% | $5,749-30.2% | $6,925-42.1% |