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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 | $65,290 | $55,889+16.8% | $76,119-14.2% | $80,935-19.3% |
| Participation rate | 51.4% | 62.1%-10.6pp | 69.1%-17.6pp | 67.7%-16.2pp |
| Annual return | 12.52% | 20.58%-8.1pp | 361.25%-348.7pp | 35.66%-23.1pp |
| Employer contribution / active EE | $2,041 | $1,866+9.4% | $2,693-24.2% | $2,757-25.9% |
| Participant deferral / active EE | $3,943 | $3,051+29.2% | $4,259-7.4% | $4,299-8.3% |
| Admin fee / account holder | $12,301 | $5,241+134.7% | $6,421+91.6% | $6,924+77.6% |