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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 | $56,095 | $25,014+124.2% | $69,632-19.4% | $80,959-30.7% |
| Participation rate | 38.5% | 64.2%-25.8pp | 66.4%-28.0pp | 67.7%-29.2pp |
| Annual return | 12.16% | 19.08%-6.9pp | 101.32%-89.2pp | 35.67%-23.5pp |
| Employer contribution / active EE | $985 | $991-0.6% | $1,708-42.3% | $2,757-64.3% |
| Participant deferral / active EE | $1,763 | $1,840-4.2% | $2,889-39.0% | $4,300-59.0% |
| Admin fee / account holder | $9,786 | $2,491+292.9% | $4,695+108.4% | $6,925+41.3% |