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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 | $91,431 | $84,518+8.2% | $67,704+35.0% | $125,389-27.1% |
| Participation rate | 28.6% | 74.8%-46.2pp | 67.5%-38.9pp | 83.2%-54.6pp |
| Annual return | -0.50% | 2.57%-3.1pp | 25.41%-25.9pp | 282.24%-282.7pp |
| Employer contribution / active EE | $1,477 | $3,292-55.1% | $2,559-42.3% | $4,866-69.7% |
| Participant deferral / active EE | $2,581 | $4,430-41.7% | $3,585-28.0% | $5,352-51.8% |
| Admin fee / account holder | $430 | $5,340-91.9% | $4,255-89.9% | $9,541-95.5% |