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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 | $80,417 | $55,453+45.0% | $170,435-52.8% | $62,293+29.1% |
| Participation rate | 51.5% | 66.4%-14.9pp | 83.6%-32.1pp | 69.5%-18.0pp |
| Annual return | 15.87% | 21.38%-5.5pp | 205.94%-190.1pp | 28.90%-13.0pp |
| Employer contribution / active EE | $1,102 | $2,164-49.1% | $5,432-79.7% | $2,042-46.1% |
| Participant deferral / active EE | $2,620 | $2,303+13.8% | $4,939-47.0% | $3,169-17.3% |
| Admin fee / account holder | $21,250 | $455+4569.8% | $13,881+53.1% | $479+4333.2% |