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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 | $82,206 | $89,367-8.0% | $141,191-41.8% | $72,975+12.6% |
| Participation rate | 61.1% | 75.1%-14.0pp | 82.5%-21.4pp | 69.5%-8.4pp |
| Annual return | 23.27% | 111.87%-88.6pp | 71.41%-48.1pp | 81.01%-57.7pp |
| Employer contribution / active EE | $2,064 | $3,115-33.7% | $4,736-56.4% | $2,440-15.4% |
| Participant deferral / active EE | $5,409 | $5,419-0.2% | $6,710-19.4% | $3,608+49.9% |
| Admin fee / account holder | $8,981 | $5,957+50.8% | $10,264-12.5% | $5,124+75.3% |