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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 | $108,815 | $63,365+71.7% | $91,994+18.3% | $72,976+49.1% |
| Participation rate | 50.0% | 72.5%-22.5pp | 78.6%-28.6pp | 69.5%-19.5pp |
| Annual return | 18.04% | 35.35%-17.3pp | 69.04%-51.0pp | 81.02%-63.0pp |
| Employer contribution / active EE | $1,947 | $2,116-8.0% | $3,453-43.6% | $2,440-20.2% |
| Participant deferral / active EE | $4,938 | $4,883+1.1% | $5,924-16.6% | $3,608+36.9% |
| Admin fee / account holder | $2,473 | $4,670-47.0% | $7,744-68.1% | $5,124-51.7% |