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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 | $61,815+34.8% | $97,295-14.4% | $80,959+2.9% |
| Participation rate | 48.2% | 63.5%-15.3pp | 72.7%-24.5pp | 67.7%-19.5pp |
| Annual return | 15.16% | -558.73%+573.9pp | 75.62%-60.5pp | 35.67%-20.5pp |
| Employer contribution / active EE | $631 | $1,836-65.7% | $2,723-76.8% | $2,757-77.1% |
| Participant deferral / active EE | $3,372 | $3,027+11.4% | $4,264-20.9% | $4,300-21.6% |
| Admin fee / account holder | $2,810 | $5,166-45.6% | $5,646-50.2% | $6,925-59.4% |