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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 | $90,841 | $63,346+43.4% | $92,240-1.5% | $70,126+29.5% |
| Participation rate | 48.6% | 68.7%-20.0pp | 76.5%-27.8pp | 69.5%-20.9pp |
| Annual return | 21.63% | 530.19%-508.6pp | 176.29%-154.7pp | 73.15%-51.5pp |
| Employer contribution / active EE | $2,526 | $2,471+2.2% | $3,680-31.4% | $2,343+7.8% |
| Participant deferral / active EE | $4,296 | $2,854+50.5% | $3,897+10.2% | $3,332+28.9% |
| Admin fee / account holder | $721 | $3,841-81.2% | $5,194-86.1% | $4,645-84.5% |