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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 | $94,922 | $58,828+61.4% | $78,002+21.7% | $62,881+51.0% |
| Participation rate | 43.6% | 71.1%-27.5pp | 75.5%-31.9pp | 69.3%-25.7pp |
| Annual return | 7.71% | 17.16%-9.4pp | 425.99%-418.3pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,069 | $1,672-36.0% | $2,470-56.7% | $2,281-53.1% |
| Participant deferral / active EE | $2,202 | $2,686-18.0% | $3,497-37.0% | $3,203-31.3% |
| Admin fee / account holder | $831 | $4,393-81.1% | $5,481-84.8% | $4,296-80.7% |