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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 | $80,162 | $107,421-25.4% | $182,262-56.0% | $94,015-14.7% |
| Participation rate | 63.2% | 77.8%-14.6pp | 84.2%-21.1pp | 70.8%-7.7pp |
| Annual return | 15.81% | 21.32%-5.5pp | 140.60%-124.8pp | 17.84%-2.0pp |
| Employer contribution / active EE | $2,613 | $3,448-24.2% | $5,046-48.2% | $2,790-6.4% |
| Participant deferral / active EE | $5,946 | $6,558-9.3% | $8,276-28.2% | $4,249+39.9% |
| Admin fee / account holder | $34,650 | $8,692+298.6% | $16,712+107.3% | $8,951+287.1% |