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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 | $81,167 | $79,955+1.5% | $98,461-17.6% | $75,173+8.0% |
| Participation rate | 53.8% | 70.4%-16.5pp | 75.2%-21.3pp | 67.2%-13.4pp |
| Annual return | 14.20% | 19.75%-5.5pp | 21.17%-7.0pp | 160.72%-146.5pp |
| Employer contribution / active EE | $840 | $2,264-62.9% | $3,049-72.4% | $2,671-68.6% |
| Participant deferral / active EE | $2,618 | $3,752-30.2% | $4,738-44.8% | $4,126-36.6% |
| Admin fee / account holder | $2,097 | $6,841-69.4% | $8,961-76.6% | $5,651-62.9% |