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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 | $82,346 | $56,287+46.3% | $80,977+1.7% | $62,881+31.0% |
| Participation rate | 50.0% | 68.9%-18.9pp | 75.8%-25.8pp | 69.3%-19.3pp |
| Annual return | 5.96% | 22.13%-16.2pp | 17.11%-11.1pp | 20.14%-14.2pp |
| Employer contribution / active EE | $429 | $1,943-77.9% | $3,715-88.5% | $2,281-81.2% |
| Participant deferral / active EE | $2,590 | $4,196-38.3% | $5,696-54.5% | $3,203-19.1% |
| Admin fee / account holder | $23,419 | $3,742+525.8% | $5,517+324.5% | $4,296+445.2% |