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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 | $95,748 | $48,364+98.0% | $71,796+33.4% | $62,881+52.3% |
| Participation rate | 60.9% | 60.6%+0.2pp | 69.1%-8.2pp | 69.3%-8.4pp |
| Annual return | 7.32% | 13.16%-5.8pp | 78.04%-70.7pp | 20.14%-12.8pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,897 | $2,091-9.3% | $2,794-32.1% | $3,203-40.8% |
| Admin fee / account holder | $1,236 | $3,771-67.2% | $4,815-74.3% | $4,296-71.2% |