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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 | $78,114 | $51,207+52.5% | $70,565+10.7% | $75,177+3.9% |
| Participation rate | 50.0% | 61.0%-11.0pp | 68.4%-18.4pp | 67.2%-17.2pp |
| Annual return | 13.80% | 30.05%-16.2pp | 32.79%-19.0pp | 160.75%-146.9pp |
| Employer contribution / active EE | $605 | $1,826-66.9% | $2,976-79.7% | $2,671-77.3% |
| Participant deferral / active EE | $2,217 | $2,850-22.2% | $4,568-51.5% | $4,126-46.3% |
| Admin fee / account holder | $6,273 | $4,097+53.1% | $6,430-2.4% | $5,651+11.0% |