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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 | $68,172 | $71,534-4.7% | $98,462-30.8% | $71,529-4.7% |
| Participation rate | 41.7% | 72.7%-31.0pp | 75.2%-33.4pp | 67.9%-26.2pp |
| Annual return | 23.86% | 32.44%-8.6pp | 21.17%+2.7pp | 28.97%-5.1pp |
| Employer contribution / active EE | $2,318 | $2,399-3.4% | $3,049-24.0% | $2,590-10.5% |
| Participant deferral / active EE | $2,634 | $4,109-35.9% | $4,738-44.4% | $4,291-38.6% |
| Admin fee / account holder | $79,817 | $1,677+4660.6% | $8,875+799.4% | $1,588+4924.7% |