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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 | $95,256 | $78,428+21.5% | $95,960-0.7% | $79,852+19.3% |
| Participation rate | 65.3% | 73.5%-8.2pp | 77.1%-11.8pp | 69.6%-4.4pp |
| Annual return | 11.55% | 19.37%-7.8pp | 91.63%-80.1pp | 31.72%-20.2pp |
| Employer contribution / active EE | $541 | $1,945-72.2% | $2,541-78.7% | $2,471-78.1% |
| Participant deferral / active EE | $3,609 | $3,440+4.9% | $4,167-13.4% | $3,740-3.5% |
| Admin fee / account holder | $18,755 | $5,622+233.6% | $6,797+175.9% | $5,306+253.5% |