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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 | $96,181 | $60,349+59.4% | $74,184+29.7% | $62,881+53.0% |
| Participation rate | 53.5% | 72.7%-19.2pp | 76.6%-23.1pp | 69.3%-15.8pp |
| Annual return | 6.62% | 21.38%-14.8pp | 17.74%-11.1pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,122 | $1,680-33.3% | $2,370-52.7% | $2,281-50.8% |
| Participant deferral / active EE | $1,824 | $2,856-36.1% | $3,550-48.6% | $3,203-43.1% |
| Admin fee / account holder | $18,137 | $4,261+325.7% | $5,586+224.7% | $4,296+322.2% |