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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 | $86,060 | $52,911+62.6% | $73,309+17.4% | $59,633+44.3% |
| Participation rate | 44.9% | 68.2%-23.3pp | 74.9%-30.0pp | 68.7%-23.8pp |
| Annual return | 0.40% | 12.20%-11.8pp | 5.67%-5.3pp | 2041.40%-2041.0pp |
| Employer contribution / active EE | $1,287 | $1,909-32.6% | $3,237-60.2% | $2,203-41.6% |
| Participant deferral / active EE | $3,860 | $4,069-5.2% | $4,991-22.7% | $3,192+20.9% |
| Admin fee / account holder | $4,883 | $3,835+27.3% | $5,635-13.3% | $4,297+13.6% |