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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 | $91,252 | $67,411+35.4% | $91,004+0.3% | $70,126+30.1% |
| Participation rate | 42.0% | 71.4%-29.3pp | 75.6%-33.6pp | 69.5%-27.5pp |
| Annual return | 16.44% | -40.16%+56.6pp | 4.60%+11.8pp | 73.15%-56.7pp |
| Employer contribution / active EE | $852 | $1,786-52.3% | $2,456-65.3% | $2,343-63.6% |
| Participant deferral / active EE | $1,427 | $2,823-49.5% | $3,548-59.8% | $3,332-57.2% |
| Admin fee / account holder | $7,883 | $4,236+86.1% | $5,417+45.5% | $4,645+69.7% |