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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 | $82,328 | $52,279+57.5% | $89,435-7.9% | $79,856+3.1% |
| Participation rate | 40.5% | 57.5%-17.0pp | 68.0%-27.4pp | 69.6%-29.1pp |
| Annual return | 23.60% | 22.16%+1.4pp | 245.55%-222.0pp | 31.71%-8.1pp |
| Employer contribution / active EE | $1,323 | $1,572-15.8% | $2,587-48.9% | $2,471-46.5% |
| Participant deferral / active EE | $2,574 | $2,740-6.1% | $3,890-33.8% | $3,741-31.2% |
| Admin fee / account holder | $5,644 | $3,356+68.2% | $4,884+15.6% | $5,306+6.4% |