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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 | $84,941 | $87,546-3.0% | $75,784+12.1% | $125,389-32.3% |
| Participation rate | 58.3% | 80.2%-21.8pp | 75.8%-17.5pp | 83.2%-24.9pp |
| Annual return | 0.02% | 13.49%-13.5pp | 9.68%-9.7pp | 282.24%-282.2pp |
| Employer contribution / active EE | $1,657 | $3,930-57.8% | $3,323-50.2% | $4,866-66.0% |
| Participant deferral / active EE | $4,989 | $4,230+18.0% | $3,652+36.6% | $5,352-6.8% |
| Admin fee / account holder | $1,325 | $6,503-79.6% | $5,300-75.0% | $9,541-86.1% |