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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 | $87,437 | $73,955+18.2% | $96,520-9.4% | $75,181+16.3% |
| Participation rate | 58.6% | 66.4%-7.8pp | 74.3%-15.7pp | 67.2%-8.6pp |
| Annual return | 20.92% | 26.72%-5.8pp | 35.72%-14.8pp | 160.69%-139.8pp |
| Employer contribution / active EE | $1,003 | $2,930-65.8% | $3,739-73.2% | $2,671-62.5% |
| Participant deferral / active EE | $3,055 | $3,659-16.5% | $4,879-37.4% | $4,126-26.0% |
| Admin fee / account holder | $42,569 | $5,217+715.9% | $6,733+532.2% | $5,650+653.4% |