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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 | $56,901 | $45,082+26.2% | $69,464-18.1% | $72,975-22.0% |
| Participation rate | 33.3% | 68.5%-35.2pp | 74.6%-41.3pp | 69.5%-36.2pp |
| Annual return | 8.03% | 22.66%-14.6pp | 28.98%-20.9pp | 81.01%-73.0pp |
| Employer contribution / active EE | $2,442 | $2,055+18.8% | $2,779-12.1% | $2,440+0.1% |
| Participant deferral / active EE | $3,013 | $2,604+15.7% | $3,536-14.8% | $3,608-16.5% |
| Admin fee / account holder | $26,375 | $3,057+762.8% | $3,840+586.8% | $5,124+414.7% |