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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 | $85,616 | $70,430+21.6% | $96,572-11.3% | $85,851-0.3% |
| Participation rate | 42.9% | 61.8%-19.0pp | 69.8%-27.0pp | 69.3%-26.5pp |
| Annual return | 12.10% | 18.58%-6.5pp | 37.79%-25.7pp | 318.63%-306.5pp |
| Employer contribution / active EE | $394 | $1,413-72.1% | $2,357-83.3% | $2,565-84.7% |
| Participant deferral / active EE | $2,924 | $2,894+1.0% | $3,850-24.0% | $3,952-26.0% |
| Admin fee / account holder | $7,175 | $4,996+43.6% | $6,183+16.0% | $6,261+14.6% |