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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 | $91,165 | $106,749-14.6% | $145,433-37.3% | $82,448+10.6% |
| Participation rate | 57.3% | 75.6%-18.3pp | 82.1%-24.8pp | 68.1%-10.7pp |
| Annual return | 14.45% | 27.59%-13.1pp | 66.58%-52.1pp | 41.64%-27.2pp |
| Employer contribution / active EE | $1,427 | $3,444-58.6% | $4,554-68.7% | $2,551-44.0% |
| Participant deferral / active EE | $2,835 | $6,519-56.5% | $7,897-64.1% | $4,139-31.5% |
| Admin fee / account holder | $27,778 | $8,390+231.1% | $13,129+111.6% | $7,234+284.0% |