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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 | $90,869 | $76,834+18.3% | $108,359-16.1% | $87,485+3.9% |
| Participation rate | 58.1% | 61.7%-3.7pp | 70.1%-12.1pp | 68.9%-10.9pp |
| Annual return | 16.59% | 19.09%-2.5pp | 36.89%-20.3pp | 26.06%-9.5pp |
| Employer contribution / active EE | $844 | $1,556-45.8% | $2,399-64.8% | $2,596-67.5% |
| Participant deferral / active EE | $2,968 | $3,100-4.3% | $4,137-28.3% | $4,274-30.6% |
| Admin fee / account holder | $29,977 | $6,537+358.6% | $9,741+207.7% | $7,775+285.6% |