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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 | $123,948 | $58,493+111.9% | $84,021+47.5% | $72,975+69.8% |
| Participation rate | 48.9% | 61.2%-12.3pp | 69.0%-20.1pp | 69.5%-20.6pp |
| Annual return | 20.07% | 28.93%-8.9pp | 71.32%-51.2pp | 81.01%-60.9pp |
| Employer contribution / active EE | $484 | $1,163-58.4% | $1,984-75.6% | $2,440-80.2% |
| Participant deferral / active EE | $2,026 | $2,394-15.4% | $3,239-37.5% | $3,608-43.9% |
| Admin fee / account holder | $6,566 | $4,569+43.7% | $6,102+7.6% | $5,124+28.1% |