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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 | $54,719 | $52,678+3.9% | $75,784-27.8% | $59,633-8.2% |
| Participation rate | 55.0% | 67.2%-12.2pp | 75.8%-20.8pp | 68.7%-13.7pp |
| Annual return | -0.70% | 2.95%-3.6pp | 9.68%-10.4pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $2,973 | $2,193+35.6% | $3,323-10.5% | $2,203+35.0% |
| Participant deferral / active EE | $6,158 | $2,591+137.7% | $3,652+68.6% | $3,192+92.9% |
| Admin fee / account holder | $10,270 | $3,610+184.5% | $5,300+93.8% | $4,297+139.0% |