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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 | $75,871 | $73,787+2.8% | $98,716-23.1% | $82,448-8.0% |
| Participation rate | 63.0% | 61.4%+1.6pp | 69.3%-6.2pp | 68.1%-5.0pp |
| Annual return | 16.20% | 18.57%-2.4pp | 31.81%-15.6pp | 41.64%-25.4pp |
| Employer contribution / active EE | $615 | $1,511-59.3% | $2,279-73.0% | $2,551-75.9% |
| Participant deferral / active EE | $3,412 | $3,081+10.7% | $4,048-15.7% | $4,139-17.6% |
| Admin fee / account holder | $3,117 | $6,500-52.1% | $8,703-64.2% | $7,234-56.9% |