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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 | $88,739 | $51,466+72.4% | $78,778+12.6% | $62,293+42.5% |
| Participation rate | 61.2% | 59.8%+1.4pp | 69.2%-8.0pp | 69.5%-8.4pp |
| Annual return | 13.38% | 19.96%-6.6pp | 35.62%-22.2pp | 28.90%-15.5pp |
| Employer contribution / active EE | $809 | $827-2.3% | $1,986-59.3% | $2,042-60.4% |
| Participant deferral / active EE | $3,118 | $2,147+45.2% | $2,958+5.4% | $3,169-1.6% |
| Admin fee / account holder | $766 | $489+56.5% | $5,134-85.1% | $479+59.8% |