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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 | $76,826 | $71,230+7.9% | $93,727-18.0% | $80,959-5.1% |
| Participation rate | 46.2% | 60.4%-14.2pp | 68.7%-22.6pp | 67.7%-21.5pp |
| Annual return | 11.05% | 11.26%-0.2pp | 133.83%-122.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $731 | $1,565-53.3% | $2,421-69.8% | $2,757-73.5% |
| Participant deferral / active EE | $2,452 | $4,037-39.3% | $4,417-44.5% | $4,300-43.0% |
| Admin fee / account holder | $13,397 | $6,961+92.5% | $8,292+61.6% | $6,925+93.5% |