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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 | $82,549 | $86,940-5.1% | $102,434-19.4% | $80,935+2.0% |
| Participation rate | 57.1% | 72.4%-15.2pp | 76.5%-19.4pp | 67.7%-10.5pp |
| Annual return | 13.49% | 18.89%-5.4pp | 29.46%-16.0pp | 35.66%-22.2pp |
| Employer contribution / active EE | $1,788 | $2,370-24.6% | $3,023-40.9% | $2,757-35.2% |
| Participant deferral / active EE | $4,038 | $4,121-2.0% | $5,055-20.1% | $4,299-6.1% |
| Admin fee / account holder | $44,153 | $8,047+448.7% | $9,462+366.6% | $6,924+537.7% |