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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 | $84,129 | $55,889+50.5% | $76,119+10.5% | $80,935+3.9% |
| Participation rate | 50.5% | 62.1%-11.6pp | 69.1%-18.6pp | 67.7%-17.1pp |
| Annual return | 25.58% | 20.58%+5.0pp | 361.25%-335.7pp | 35.66%-10.1pp |
| Employer contribution / active EE | $1,257 | $1,866-32.6% | $2,693-53.3% | $2,757-54.4% |
| Participant deferral / active EE | $2,884 | $3,051-5.5% | $4,259-32.3% | $4,299-32.9% |
| Admin fee / account holder | $12,684 | $5,241+142.0% | $6,421+97.5% | $6,924+83.2% |