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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 | $76,655 | $167,415-54.2% | $140,514-45.4% | $198,609-61.4% |
| Participation rate | 50.0% | 80.9%-30.9pp | 77.8%-27.8pp | 82.4%-32.4pp |
| Annual return | 15.99% | 13.85%+2.1pp | 14.36%+1.6pp | 202.70%-186.7pp |
| Employer contribution / active EE | $2,056 | $4,088-49.7% | $3,378-39.1% | $5,055-59.3% |
| Participant deferral / active EE | $8,470 | $5,579+51.8% | $4,919+72.2% | $6,977+21.4% |
| Admin fee / account holder | $3,390 | $16,730-79.7% | $13,697-75.2% | $19,030-82.2% |