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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 | $74,191 | $69,977+6.0% | $108,582-31.7% | $62,881+18.0% |
| Participation rate | 66.1% | 72.9%-6.8pp | 79.6%-13.5pp | 69.3%-3.2pp |
| Annual return | 12.86% | 10.73%+2.1pp | -51.70%+64.6pp | 20.14%-7.3pp |
| Employer contribution / active EE | $1,211 | $2,135-43.3% | $3,758-67.8% | $2,281-46.9% |
| Participant deferral / active EE | $2,256 | $3,165-28.7% | $4,311-47.7% | $3,203-29.6% |
| Admin fee / account holder | $14,183 | $5,076+179.4% | $7,645+85.5% | $4,296+230.2% |