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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 | $86,478 | $73,955+16.9% | $96,520-10.4% | $75,181+15.0% |
| Participation rate | 50.0% | 66.4%-16.4pp | 74.3%-24.3pp | 67.2%-17.2pp |
| Annual return | 17.76% | 26.72%-9.0pp | 35.72%-18.0pp | 160.69%-142.9pp |
| Employer contribution / active EE | $2,180 | $2,930-25.6% | $3,739-41.7% | $2,671-18.4% |
| Participant deferral / active EE | $4,489 | $3,659+22.7% | $4,879-8.0% | $4,126+8.8% |
| Admin fee / account holder | $22,461 | $5,217+330.5% | $6,733+233.6% | $5,650+297.6% |