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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 | $86,362 | $70,917+21.8% | $98,920-12.7% | $73,497+17.5% |
| Participation rate | 53.9% | 73.8%-19.9pp | 76.0%-22.1pp | 70.7%-16.8pp |
| Annual return | 21.34% | 34.18%-12.8pp | 196.47%-175.1pp | 28.51%-7.2pp |
| Employer contribution / active EE | $580 | $2,037-71.5% | $2,689-78.4% | $2,270-74.4% |
| Participant deferral / active EE | $2,289 | $3,501-34.6% | $4,245-46.1% | $3,740-38.8% |
| Admin fee / account holder | $5,357 | $535+901.5% | $6,643-19.4% | $513+944.1% |