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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 | $90,818 | $86,701+4.7% | $73,309+23.9% | $125,389-27.6% |
| Participation rate | 40.0% | 78.6%-38.6pp | 74.9%-34.9pp | 83.2%-43.2pp |
| Annual return | 0.86% | 2.78%-1.9pp | 5.67%-4.8pp | 282.24%-281.4pp |
| Employer contribution / active EE | $2,362 | $4,152-43.1% | $3,237-27.0% | $4,866-51.5% |
| Participant deferral / active EE | $11,972 | $5,549+115.7% | $4,991+139.9% | $5,352+123.7% |
| Admin fee / account holder | $41,433 | $7,768+433.4% | $5,635+635.3% | $9,541+334.3% |