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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 | $82,474 | $69,977+17.9% | $108,582-24.0% | $62,881+31.2% |
| Participation rate | 44.4% | 72.9%-28.5pp | 79.6%-35.1pp | 69.3%-24.9pp |
| Annual return | 7.28% | 10.73%-3.4pp | -51.70%+59.0pp | 20.14%-12.9pp |
| Employer contribution / active EE | $746 | $2,135-65.1% | $3,758-80.2% | $2,281-67.3% |
| Participant deferral / active EE | $2,569 | $3,165-18.8% | $4,311-40.4% | $3,203-19.8% |
| Admin fee / account holder | $5,894 | $5,076+16.1% | $7,645-22.9% | $4,296+37.2% |