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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 | $86,532 | $97,648-11.4% | $121,663-28.9% | $87,485-1.1% |
| Participation rate | 50.5% | 70.5%-19.9pp | 74.5%-24.0pp | 68.9%-18.4pp |
| Annual return | 13.20% | 18.03%-4.8pp | 147.54%-134.3pp | 26.06%-12.9pp |
| Employer contribution / active EE | $812 | $2,300-64.7% | $3,020-73.1% | $2,596-68.7% |
| Participant deferral / active EE | $2,316 | $3,923-41.0% | $4,887-52.6% | $4,274-45.8% |
| Admin fee / account holder | $17,290 | $11,100+55.8% | $14,289+21.0% | $7,775+122.4% |