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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 | $84,173 | $60,442+39.3% | $96,754-13.0% | $87,485-3.8% |
| Participation rate | 26.8% | 58.7%-31.9pp | 70.3%-43.5pp | 68.9%-42.1pp |
| Annual return | 15.79% | 21.97%-6.2pp | 82.04%-66.3pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,089 | $1,691-35.6% | $2,679-59.3% | $2,596-58.0% |
| Participant deferral / active EE | $1,879 | $3,280-42.7% | $4,758-60.5% | $4,274-56.0% |
| Admin fee / account holder | $10,786 | $5,069+112.8% | $8,905+21.1% | $7,775+38.7% |