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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 | $83,647 | $83,045+0.7% | $130,045-35.7% | $71,511+17.0% |
| Participation rate | 47.2% | 74.1%-27.0pp | 78.5%-31.3pp | 67.9%-20.8pp |
| Annual return | 17.75% | 20.61%-2.9pp | -137.30%+155.1pp | 28.86%-11.1pp |
| Employer contribution / active EE | $2,078 | $2,623-20.8% | $4,321-51.9% | $2,589-19.8% |
| Participant deferral / active EE | $4,291 | $4,436-3.3% | $5,820-26.3% | $4,2910% |
| Admin fee / account holder | $9,654 | $1,727+459.0% | $10,600-8.9% | $1,588+507.8% |