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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 | $86,373 | $78,428+10.1% | $95,960-10.0% | $79,852+8.2% |
| Participation rate | 42.3% | 73.5%-31.2pp | 77.1%-34.8pp | 69.6%-27.3pp |
| Annual return | 12.87% | 19.37%-6.5pp | 91.63%-78.8pp | 31.72%-18.9pp |
| Employer contribution / active EE | $1,276 | $1,945-34.4% | $2,541-49.8% | $2,471-48.4% |
| Participant deferral / active EE | $2,754 | $3,440-19.9% | $4,167-33.9% | $3,740-26.4% |
| Admin fee / account holder | $454 | $5,622-91.9% | $6,797-93.3% | $5,306-91.4% |