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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 | $98,717 | $64,920+52.1% | $103,693-4.8% | $86,983+13.5% |
| Participation rate | 39.6% | 63.6%-24.0pp | 72.6%-33.1pp | 69.5%-30.0pp |
| Annual return | 18.32% | 30.29%-12.0pp | 47.61%-29.3pp | 25.83%-7.5pp |
| Employer contribution / active EE | $359 | $2,141-83.2% | $2,920-87.7% | $2,584-86.1% |
| Participant deferral / active EE | $1,819 | $3,241-43.9% | $4,579-60.3% | $4,194-56.6% |
| Admin fee / account holder | $34,409 | $6,191+455.8% | $7,858+337.9% | $7,856+338.0% |