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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 | $59,593 | $48,364+23.2% | $71,796-17.0% | $62,881-5.2% |
| Participation rate | 36.8% | 60.6%-23.8pp | 69.1%-32.3pp | 69.3%-32.5pp |
| Annual return | 7.08% | 13.16%-6.1pp | 78.04%-71.0pp | 20.14%-13.1pp |
| Employer contribution / active EE | $424 | $1,042-59.3% | $1,924-78.0% | $2,281-81.4% |
| Participant deferral / active EE | $1,780 | $2,091-14.9% | $2,794-36.3% | $3,203-44.4% |
| Admin fee / account holder | $10,370 | $3,771+175.0% | $4,815+115.4% | $4,296+141.4% |