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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 | $82,805 | $58,848+40.7% | $88,179-6.1% | $82,637+0.2% |
| Participation rate | 36.1% | 57.9%-21.8pp | 69.1%-33.0pp | 68.1%-31.9pp |
| Annual return | 17.25% | 22.76%-5.5pp | 64.97%-47.7pp | 53.51%-36.3pp |
| Employer contribution / active EE | $1,627 | $1,678-3.1% | $2,549-36.2% | $2,552-36.3% |
| Participant deferral / active EE | $3,790 | $3,124+21.3% | $4,614-17.9% | $4,126-8.1% |
| Admin fee / account holder | $12,181 | $4,795+154.0% | $7,673+58.8% | $7,339+66.0% |