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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 | $80,997 | $84,236-3.8% | $170,435-52.5% | $70,126+15.5% |
| Participation rate | 55.3% | 70.8%-15.6pp | 83.6%-28.3pp | 69.5%-14.3pp |
| Annual return | 23.68% | 23.06%+0.6pp | 205.94%-182.3pp | 73.15%-49.5pp |
| Employer contribution / active EE | $1,297 | $3,387-61.7% | $5,432-76.1% | $2,343-44.6% |
| Participant deferral / active EE | $2,428 | $3,086-21.3% | $4,939-50.8% | $3,332-27.1% |
| Admin fee / account holder | $2,101 | $5,698-63.1% | $13,881-84.9% | $4,645-54.8% |