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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 | $81,543 | $57,073+42.9% | $85,126-4.2% | $80,925+0.8% |
| Participation rate | 56.1% | 56.4%-0.3pp | 67.5%-11.5pp | 67.7%-11.6pp |
| Annual return | 17.70% | 21.69%-4.0pp | 66.63%-48.9pp | 35.65%-18.0pp |
| Employer contribution / active EE | $519 | $1,801-71.2% | $2,731-81.0% | $2,756-81.2% |
| Participant deferral / active EE | $4,743 | $3,113+52.3% | $4,523+4.8% | $4,299+10.3% |
| Admin fee / account holder | $2,429 | $4,988-51.3% | $6,160-60.6% | $6,940-65.0% |