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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 | $82,604 | $81,331+1.6% | $155,534-46.9% | $80,935+2.1% |
| Participation rate | 45.2% | 66.3%-21.0pp | 78.2%-33.0pp | 67.7%-22.4pp |
| Annual return | 17.24% | 33.37%-16.1pp | 64.92%-47.7pp | 35.66%-18.4pp |
| Employer contribution / active EE | $958 | $3,105-69.2% | $4,675-79.5% | $2,757-65.3% |
| Participant deferral / active EE | $2,259 | $3,454-34.6% | $5,630-59.9% | $4,299-47.5% |
| Admin fee / account holder | $573 | $7,999-92.8% | $15,900-96.4% | $6,924-91.7% |