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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 | $71,138 | $58,828+20.9% | $78,002-8.8% | $62,881+13.1% |
| Participation rate | 52.5% | 71.1%-18.6pp | 75.5%-23.1pp | 69.3%-16.8pp |
| Annual return | 6.42% | 17.16%-10.7pp | 425.99%-419.6pp | 20.14%-13.7pp |
| Employer contribution / active EE | $955 | $1,672-42.9% | $2,470-61.3% | $2,281-58.1% |
| Participant deferral / active EE | $1,580 | $2,686-41.2% | $3,497-54.8% | $3,203-50.7% |
| Admin fee / account holder | $8,746 | $4,393+99.1% | $5,481+59.6% | $4,296+103.6% |