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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 | $70,695 | $77,638-8.9% | $156,551-54.8% | $62,881+12.4% |
| Participation rate | 63.9% | 71.2%-7.3pp | 84.0%-20.1pp | 69.3%-5.4pp |
| Annual return | 9.00% | 50.33%-41.3pp | 32.23%-23.2pp | 20.14%-11.1pp |
| Employer contribution / active EE | $888 | $3,444-74.2% | $5,501-83.9% | $2,281-61.1% |
| Participant deferral / active EE | $2,351 | $3,046-22.8% | $4,871-51.7% | $3,203-26.6% |
| Admin fee / account holder | $8,804 | $5,561+58.3% | $13,028-32.4% | $4,296+105.0% |