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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 | $81,074 | $49,025+65.4% | $87,502-7.3% | $62,881+28.9% |
| Participation rate | 45.1% | 64.9%-19.8pp | 73.8%-28.7pp | 69.3%-24.2pp |
| Annual return | 7.43% | 10.02%-2.6pp | 12.21%-4.8pp | 20.14%-12.7pp |
| Employer contribution / active EE | $501 | $1,372-63.5% | $2,550-80.3% | $2,281-78.0% |
| Participant deferral / active EE | $2,620 | $2,289+14.4% | $3,149-16.8% | $3,203-18.2% |
| Admin fee / account holder | $5,680 | $4,065+39.7% | $4,221+34.6% | $4,296+32.2% |