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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 | $81,185 | $72,486+12.0% | $87,103-6.8% | $72,976+11.2% |
| Participation rate | 51.7% | 72.8%-21.1pp | 76.9%-25.2pp | 69.5%-17.8pp |
| Annual return | 23.60% | 24.46%-0.9pp | 28.19%-4.6pp | 81.02%-57.4pp |
| Employer contribution / active EE | $690 | $1,894-63.6% | $2,521-72.6% | $2,440-71.7% |
| Participant deferral / active EE | $3,194 | $3,270-2.3% | $4,049-21.1% | $3,608-11.5% |
| Admin fee / account holder | $5,552 | $5,055+9.8% | $7,491-25.9% | $5,124+8.4% |