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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 | $90,569 | $87,059+4.0% | $105,608-14.2% | $80,925+11.9% |
| Participation rate | 56.3% | 70.4%-14.2pp | 75.3%-19.0pp | 67.7%-11.4pp |
| Annual return | 11.72% | 17.05%-5.3pp | 116.50%-104.8pp | 35.65%-23.9pp |
| Employer contribution / active EE | $653 | $2,396-72.8% | $3,167-79.4% | $2,756-76.3% |
| Participant deferral / active EE | $3,033 | $3,986-23.9% | $5,010-39.4% | $4,299-29.4% |
| Admin fee / account holder | $35,008 | $8,443+314.7% | $11,028+217.4% | $6,940+404.4% |