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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 | $80,603 | $72,492+11.2% | $87,102-7.5% | $72,983+10.4% |
| Participation rate | 46.4% | 72.8%-26.4pp | 76.9%-30.5pp | 69.5%-23.1pp |
| Annual return | 21.40% | 24.46%-3.1pp | 28.19%-6.8pp | 81.01%-59.6pp |
| Employer contribution / active EE | $884 | $1,894-53.3% | $2,521-64.9% | $2,440-63.8% |
| Participant deferral / active EE | $2,129 | $3,270-34.9% | $4,048-47.4% | $3,608-41.0% |
| Admin fee / account holder | $10,484 | $5,055+107.4% | $7,491+40.0% | $5,124+104.6% |