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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 | $74,778 | $73,787+1.3% | $98,716-24.2% | $82,448-9.3% |
| Participation rate | 41.8% | 61.4%-19.6pp | 69.3%-27.5pp | 68.1%-26.2pp |
| Annual return | 23.66% | 18.57%+5.1pp | 31.81%-8.2pp | 41.64%-18.0pp |
| Employer contribution / active EE | $713 | $1,511-52.8% | $2,279-68.7% | $2,551-72.1% |
| Participant deferral / active EE | $2,601 | $3,081-15.6% | $4,048-35.7% | $4,139-37.2% |
| Admin fee / account holder | $8,926 | $6,500+37.3% | $8,703+2.6% | $7,234+23.4% |