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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 | $85,267 | $47,944+77.8% | $67,834+25.7% | $62,881+35.6% |
| Participation rate | 38.8% | 61.1%-22.3pp | 68.8%-30.0pp | 69.3%-30.5pp |
| Annual return | 9.95% | 11.77%-1.8pp | 138.47%-128.5pp | 20.14%-10.2pp |
| Employer contribution / active EE | $988 | $1,562-36.7% | $2,403-58.9% | $2,281-56.7% |
| Participant deferral / active EE | $2,998 | $2,247+33.5% | $3,160-5.1% | $3,203-6.4% |
| Admin fee / account holder | $6,007 | $3,712+61.8% | $4,622+30.0% | $4,296+39.8% |