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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 | $84,137 | $49,976+68.4% | $66,674+26.2% | $82,637+1.8% |
| Participation rate | 46.9% | 63.1%-16.2pp | 73.7%-26.8pp | 68.1%-21.2pp |
| Annual return | 16.90% | 39.09%-22.2pp | 321.24%-304.3pp | 53.51%-36.6pp |
| Employer contribution / active EE | $1,882 | $1,988-5.4% | $2,620-28.2% | $2,552-26.3% |
| Participant deferral / active EE | $3,305 | $2,847+16.1% | $4,084-19.1% | $4,126-19.9% |
| Admin fee / account holder | $1,375 | $4,594-70.1% | $5,098-73.0% | $7,339-81.3% |