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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 | $88,668 | $71,197+24.5% | $93,669-5.3% | $80,925+9.6% |
| Participation rate | 44.2% | 60.4%-16.2pp | 68.7%-24.5pp | 67.7%-23.5pp |
| Annual return | 15.51% | 11.27%+4.2pp | 133.59%-118.1pp | 35.65%-20.1pp |
| Employer contribution / active EE | $467 | $1,565-70.1% | $2,424-80.7% | $2,756-83.1% |
| Participant deferral / active EE | $2,408 | $4,036-40.3% | $4,416-45.5% | $4,299-44.0% |
| Admin fee / account holder | $3,878 | $6,959-44.3% | $8,291-53.2% | $6,940-44.1% |