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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 | $80,001 | $65,034+23.0% | $90,970-12.1% | $79,856+0.2% |
| Participation rate | 36.4% | 61.6%-25.3pp | 69.0%-32.7pp | 69.6%-33.3pp |
| Annual return | 12.06% | 30.45%-18.4pp | 134.60%-122.5pp | 31.71%-19.7pp |
| Employer contribution / active EE | $296 | $1,247-76.3% | $2,122-86.0% | $2,471-88.0% |
| Participant deferral / active EE | $1,313 | $2,512-47.7% | $3,373-61.1% | $3,741-64.9% |
| Admin fee / account holder | $9,570 | $4,536+111.0% | $5,961+60.6% | $5,306+80.4% |