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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 | $90,234 | $87,132+3.6% | $105,624-14.6% | $80,959+11.5% |
| Participation rate | 55.1% | 70.4%-15.4pp | 75.3%-20.2pp | 67.7%-12.6pp |
| Annual return | 11.07% | 17.03%-6.0pp | 116.20%-105.1pp | 35.67%-24.6pp |
| Employer contribution / active EE | $857 | $2,397-64.3% | $3,168-73.0% | $2,757-68.9% |
| Participant deferral / active EE | $2,635 | $3,985-33.9% | $5,013-47.4% | $4,300-38.7% |
| Admin fee / account holder | $11,290 | $8,449+33.6% | $10,961+3.0% | $6,925+63.0% |