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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 | $88,299 | $35,183+151.0% | $73,550+20.1% | $70,126+25.9% |
| Participation rate | 26.3% | 42.9%-16.6pp | 54.9%-28.6pp | 69.5%-43.2pp |
| Annual return | 21.93% | 26.90%-5.0pp | -15.16%+37.1pp | 73.15%-51.2pp |
| Employer contribution / active EE | $552 | $709-22.1% | $1,219-54.7% | $2,343-76.4% |
| Participant deferral / active EE | $546 | $1,220-55.3% | $1,804-69.8% | $3,332-83.6% |
| Admin fee / account holder | $5,625 | $2,302+144.3% | $2,320+142.5% | $4,645+21.1% |