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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 | $74,928 | $73,988+1.3% | $96,538-22.4% | $75,177-0.3% |
| Participation rate | 21.9% | 66.4%-44.6pp | 74.3%-52.5pp | 67.2%-45.3pp |
| Annual return | 15.75% | 26.73%-11.0pp | 35.74%-20.0pp | 160.75%-145.0pp |
| Employer contribution / active EE | $873 | $2,930-70.2% | $3,740-76.7% | $2,671-67.3% |
| Participant deferral / active EE | $2,124 | $3,660-42.0% | $4,880-56.5% | $4,126-48.5% |
| Admin fee / account holder | $15,350 | $5,220+194.1% | $6,737+127.8% | $5,651+171.6% |