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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 | $86,395 | $48,053+79.8% | $84,637+2.1% | $72,976+18.4% |
| Participation rate | 43.2% | 57.6%-14.3pp | 68.2%-25.0pp | 69.5%-26.2pp |
| Annual return | 20.79% | 37.39%-16.6pp | 258.82%-238.0pp | 81.02%-60.2pp |
| Employer contribution / active EE | $314 | $1,602-80.4% | $2,653-88.2% | $2,440-87.1% |
| Participant deferral / active EE | $3,119 | $2,681+16.3% | $3,900-20.0% | $3,608-13.6% |
| Admin fee / account holder | $13,632 | $3,395+301.5% | $4,914+177.4% | $5,124+166.0% |