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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 | $86,527 | $52,279+65.5% | $89,414-3.2% | $79,852+8.4% |
| Participation rate | 44.4% | 57.5%-13.1pp | 68.0%-23.5pp | 69.6%-25.2pp |
| Annual return | 27.40% | 22.16%+5.2pp | 245.50%-218.1pp | 31.72%-4.3pp |
| Employer contribution / active EE | $1,193 | $1,572-24.1% | $2,586-53.9% | $2,471-51.7% |
| Participant deferral / active EE | $2,365 | $2,740-13.7% | $3,890-39.2% | $3,740-36.8% |
| Admin fee / account holder | $1,835 | $3,356-45.3% | $4,883-62.4% | $5,306-65.4% |