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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 | $88,674 | $80,705+9.9% | $115,768-23.4% | $67,986+30.4% |
| Participation rate | 29.6% | 63.0%-33.4pp | 74.4%-44.8pp | 57.2%-27.6pp |
| Annual return | 13.79% | 18.49%-4.7pp | 100.46%-86.7pp | 31.67%-17.9pp |
| Employer contribution / active EE | $1,124 | $2,046-45.1% | $2,940-61.8% | $2,019-44.3% |
| Participant deferral / active EE | $2,146 | $3,559-39.7% | $4,917-56.4% | $3,358-36.1% |
| Admin fee / account holder | $7,862 | $4,135+90.1% | $12,439-36.8% | $3,203+145.5% |