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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 | $83,162 | $65,027+27.9% | $90,970-8.6% | $79,852+4.1% |
| Participation rate | 54.9% | 61.6%-6.7pp | 69.0%-14.1pp | 69.6%-14.7pp |
| Annual return | 17.80% | 30.45%-12.7pp | 134.58%-116.8pp | 31.72%-13.9pp |
| Employer contribution / active EE | $419 | $1,247-66.4% | $2,122-80.3% | $2,471-83.0% |
| Participant deferral / active EE | $2,711 | $2,512+7.9% | $3,373-19.6% | $3,740-27.5% |
| Admin fee / account holder | $17,959 | $4,535+296.0% | $5,960+201.3% | $5,306+238.4% |