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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 | $88,390 | $77,908+13.5% | $149,696-41.0% | $75,173+17.6% |
| Participation rate | 64.2% | 65.6%-1.4pp | 78.8%-14.6pp | 67.2%-3.0pp |
| Annual return | 16.26% | 31.73%-15.5pp | 134.46%-118.2pp | 160.72%-144.5pp |
| Employer contribution / active EE | $502 | $3,138-84.0% | $4,821-89.6% | $2,671-81.2% |
| Participant deferral / active EE | $2,334 | $3,411-31.6% | $5,682-58.9% | $4,126-43.4% |
| Admin fee / account holder | $9,526 | $5,950+60.1% | $13,212-27.9% | $5,651+68.6% |