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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 | $90,357 | $79,449+13.7% | $189,597-52.3% | $85,851+5.2% |
| Participation rate | 49.5% | 66.0%-16.5pp | 78.4%-29.0pp | 69.3%-19.9pp |
| Annual return | 14.82% | 18.45%-3.6pp | 64.20%-49.4pp | 318.63%-303.8pp |
| Employer contribution / active EE | $678 | $2,081-67.4% | $4,412-84.6% | $2,565-73.6% |
| Participant deferral / active EE | $1,722 | $4,051-57.5% | $6,174-72.1% | $3,952-56.4% |
| Admin fee / account holder | $8,732 | $5,377+62.4% | $9,807-11.0% | $6,261+39.5% |