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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 | $94,204 | $70,917+32.8% | $98,920-4.8% | $73,497+28.2% |
| Participation rate | 51.6% | 73.8%-22.2pp | 76.0%-24.4pp | 70.7%-19.1pp |
| Annual return | 16.40% | 34.18%-17.8pp | 196.47%-180.1pp | 28.51%-12.1pp |
| Employer contribution / active EE | $809 | $2,037-60.3% | $2,689-69.9% | $2,270-64.4% |
| Participant deferral / active EE | $2,997 | $3,501-14.4% | $4,245-29.4% | $3,740-19.9% |
| Admin fee / account holder | $4,773 | $535+792.4% | $6,643-28.1% | $513+830.3% |