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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 | $40,882 | $51,166-20.1% | $70,544-42.0% | $71,511-42.8% |
| Participation rate | 67.0% | 59.4%+7.6pp | 68.4%-1.4pp | 67.9%-1.0pp |
| Annual return | 13.66% | 42.71%-29.1pp | 32.79%-19.1pp | 28.86%-15.2pp |
| Employer contribution / active EE | $1,273 | $1,793-29.0% | $2,976-57.2% | $2,589-50.8% |
| Participant deferral / active EE | $2,140 | $3,031-29.4% | $4,568-53.1% | $4,291-50.1% |
| Admin fee / account holder | $2,429 | $2,000+21.4% | $6,427-62.2% | $1,588+52.9% |