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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 | $68,583 | $61,815+10.9% | $97,295-29.5% | $80,959-15.3% |
| Participation rate | 45.2% | 63.5%-18.3pp | 72.7%-27.5pp | 67.7%-22.5pp |
| Annual return | 13.39% | -558.73%+572.1pp | 75.62%-62.2pp | 35.67%-22.3pp |
| Employer contribution / active EE | $1,191 | $1,836-35.2% | $2,723-56.3% | $2,757-56.8% |
| Participant deferral / active EE | $2,662 | $3,027-12.1% | $4,264-37.6% | $4,300-38.1% |
| Admin fee / account holder | $807 | $5,166-84.4% | $5,646-85.7% | $6,925-88.3% |