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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 | $99,616 | $52,836+88.5% | $105,738-5.8% | $64,173+55.2% |
| Participation rate | 59.3% | 66.5%-7.3pp | 76.3%-17.1pp | 69.6%-10.3pp |
| Annual return | 8.52% | 14.30%-5.8pp | 6.27%+2.2pp | 7.63%+0.9pp |
| Employer contribution / active EE | $939 | $1,827-48.6% | $3,268-71.3% | $2,381-60.6% |
| Participant deferral / active EE | $1,571 | $2,545-38.3% | $4,080-61.5% | $3,470-54.7% |
| Admin fee / account holder | $3,195 | $3,959-19.3% | $6,913-53.8% | $4,887-34.6% |