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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 | $87,883 | $54,380+61.6% | $68,509+28.3% | $59,633+47.4% |
| Participation rate | 32.1% | 70.2%-38.0pp | 74.7%-42.6pp | 68.7%-36.5pp |
| Annual return | 2.07% | 2.83%-0.8pp | 8.27%-6.2pp | 2041.45%-2039.4pp |
| Employer contribution / active EE | $1,071 | $1,539-30.4% | $2,278-53.0% | $2,203-51.4% |
| Participant deferral / active EE | $3,182 | $2,643+20.4% | $3,382-5.9% | $3,192-0.3% |
| Admin fee / account holder | $2,905 | $3,885-25.2% | $5,275-44.9% | $4,297-32.4% |