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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 | $88,075 | $49,657+77.4% | $93,063-5.4% | $67,986+29.5% |
| Participation rate | 44.7% | 49.9%-5.2pp | 72.1%-27.4pp | 57.2%-12.5pp |
| Annual return | 16.81% | 26.27%-9.5pp | 34.15%-17.3pp | 31.67%-14.9pp |
| Employer contribution / active EE | $636 | $1,279-50.2% | $2,476-74.3% | $2,019-68.5% |
| Participant deferral / active EE | $2,444 | $2,484-1.6% | $3,958-38.3% | $3,358-27.2% |
| Admin fee / account holder | $5,350 | $2,843+88.2% | $6,033-11.3% | $3,203+67.0% |