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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 | $99,122 | $47,944+106.7% | $67,834+46.1% | $62,881+57.6% |
| Participation rate | 64.1% | 61.1%+3.0pp | 68.8%-4.7pp | 69.3%-5.2pp |
| Annual return | 5.99% | 11.77%-5.8pp | 138.47%-132.5pp | 20.14%-14.2pp |
| Employer contribution / active EE | $314 | $1,562-79.9% | $2,403-86.9% | $2,281-86.2% |
| Participant deferral / active EE | $2,827 | $2,247+25.8% | $3,160-10.5% | $3,203-11.7% |
| Admin fee / account holder | $2,213 | $3,712-40.4% | $4,622-52.1% | $4,296-48.5% |