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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 | $62,869 | $58,828+6.9% | $78,002-19.4% | $62,8810% |
| Participation rate | 60.6% | 71.1%-10.5pp | 75.5%-15.0pp | 69.3%-8.7pp |
| Annual return | 8.18% | 17.16%-9.0pp | 425.99%-417.8pp | 20.14%-12.0pp |
| Employer contribution / active EE | $442 | $1,672-73.6% | $2,470-82.1% | $2,281-80.6% |
| Participant deferral / active EE | $2,252 | $2,686-16.2% | $3,497-35.6% | $3,203-29.7% |
| Admin fee / account holder | $9,119 | $4,393+107.6% | $5,481+66.4% | $4,296+112.3% |