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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 | $88,030 | $86,940+1.3% | $102,434-14.1% | $80,935+8.8% |
| Participation rate | 55.2% | 72.4%-17.2pp | 76.5%-21.3pp | 67.7%-12.5pp |
| Annual return | 14.69% | 18.89%-4.2pp | 29.46%-14.8pp | 35.66%-21.0pp |
| Employer contribution / active EE | $994 | $2,370-58.1% | $3,023-67.1% | $2,757-63.9% |
| Participant deferral / active EE | $2,879 | $4,121-30.1% | $5,055-43.0% | $4,299-33.0% |
| Admin fee / account holder | $61,551 | $8,047+664.9% | $9,462+550.5% | $6,924+788.9% |