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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 | $84,007 | $78,013+7.7% | $178,449-52.9% | $80,911+3.8% |
| Participation rate | 26.5% | 65.7%-39.2pp | 77.1%-50.6pp | 67.6%-41.2pp |
| Annual return | 12.21% | 18.07%-5.9pp | 27.09%-14.9pp | 35.63%-23.4pp |
| Employer contribution / active EE | $787 | $2,287-65.6% | $3,951-80.1% | $2,756-71.5% |
| Participant deferral / active EE | $2,471 | $4,408-43.9% | $6,277-60.6% | $4,297-42.5% |
| Admin fee / account holder | $81,427 | $7,166+1036.3% | $10,362+685.8% | $6,935+1074.2% |