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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 | $91,248 | $52,279+74.5% | $89,435+2.0% | $79,856+14.3% |
| Participation rate | 48.8% | 57.5%-8.8pp | 68.0%-19.2pp | 69.6%-20.9pp |
| Annual return | 15.43% | 22.16%-6.7pp | 245.55%-230.1pp | 31.71%-16.3pp |
| Employer contribution / active EE | $321 | $1,572-79.6% | $2,587-87.6% | $2,471-87.0% |
| Participant deferral / active EE | $3,275 | $2,740+19.5% | $3,890-15.8% | $3,741-12.5% |
| Admin fee / account holder | $713 | $3,356-78.8% | $4,884-85.4% | $5,306-86.6% |