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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 | $85,751 | $48,364+77.3% | $71,796+19.4% | $62,881+36.4% |
| Participation rate | 52.4% | 60.6%-8.2pp | 69.1%-16.7pp | 69.3%-16.9pp |
| Annual return | 7.20% | 13.16%-6.0pp | 78.04%-70.8pp | 20.14%-12.9pp |
| Employer contribution / active EE | $183 | $1,042-82.4% | $1,924-90.5% | $2,281-92.0% |
| Participant deferral / active EE | $2,522 | $2,091+20.6% | $2,794-9.8% | $3,203-21.3% |
| Admin fee / account holder | $8,419 | $3,771+123.2% | $4,815+74.9% | $4,296+96.0% |