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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 | $86,802 | $73,787+17.6% | $98,716-12.1% | $82,448+5.3% |
| Participation rate | 50.0% | 61.4%-11.4pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 14.49% | 18.57%-4.1pp | 31.81%-17.3pp | 41.64%-27.2pp |
| Employer contribution / active EE | $812 | $1,511-46.3% | $2,279-64.4% | $2,551-68.2% |
| Participant deferral / active EE | $2,877 | $3,081-6.6% | $4,048-28.9% | $4,139-30.5% |
| Admin fee / account holder | $2,625 | $6,500-59.6% | $8,703-69.8% | $7,234-63.7% |