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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 | $80,114 | $78,423+2.2% | $95,964-16.5% | $79,856+0.3% |
| Participation rate | 60.3% | 73.5%-13.2pp | 77.1%-16.8pp | 69.6%-9.4pp |
| Annual return | 14.90% | 19.37%-4.5pp | 91.64%-76.7pp | 31.71%-16.8pp |
| Employer contribution / active EE | $580 | $1,945-70.2% | $2,541-77.2% | $2,471-76.5% |
| Participant deferral / active EE | $4,852 | $3,440+41.1% | $4,167+16.5% | $3,741+29.7% |
| Admin fee / account holder | $4,679 | $5,622-16.8% | $6,797-31.2% | $5,306-11.8% |