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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $94,314 | $57,352+64.4% | $83,830+12.5% | $64,173+47.0% |
| Participation rate | 51.6% | 68.6%-17.0pp | 76.1%-24.5pp | 69.6%-18.0pp |
| Annual return | 0.62% | 11.38%-10.8pp | 850.97%-850.4pp | 7.63%-7.0pp |
| Employer contribution / active EE | $1,132 | $2,546-55.5% | $3,631-68.8% | $2,381-52.4% |
| Participant deferral / active EE | $3,369 | $2,993+12.6% | $4,082-17.5% | $3,470-2.9% |
| Admin fee / account holder | $2,742 | $4,046-32.2% | $5,479-50.0% | $4,887-43.9% |