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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 | $107,315 | $93,617+14.6% | $135,982-21.1% | $75,177+42.7% |
| Participation rate | 35.6% | 75.2%-39.6pp | 81.9%-46.3pp | 67.2%-31.6pp |
| Annual return | 10.42% | 30.89%-20.5pp | 68.32%-57.9pp | 160.75%-150.3pp |
| Employer contribution / active EE | $1,963 | $3,538-44.5% | $4,859-59.6% | $2,671-26.5% |
| Participant deferral / active EE | $4,900 | $6,406-23.5% | $7,760-36.9% | $4,126+18.7% |
| Admin fee / account holder | $47,277 | $6,980+577.4% | $10,767+339.1% | $5,651+736.6% |