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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 | $83,313 | $61,789+34.8% | $97,167-14.3% | $80,874+3.0% |
| Participation rate | 48.2% | 63.5%-15.3pp | 72.7%-24.5pp | 67.6%-19.5pp |
| Annual return | 15.16% | -557.90%+573.1pp | 75.27%-60.1pp | 35.62%-20.5pp |
| Employer contribution / active EE | $631 | $1,837-65.7% | $2,729-76.9% | $2,756-77.1% |
| Participant deferral / active EE | $3,372 | $3,028+11.3% | $4,264-20.9% | $4,297-21.5% |
| Admin fee / account holder | $2,810 | $5,168-45.6% | $5,650-50.3% | $6,935-59.5% |