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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 | $96,571 | $62,672+54.1% | $185,117-47.8% | $70,126+37.7% |
| Participation rate | 67.1% | 63.8%+3.3pp | 77.3%-10.2pp | 69.5%-2.5pp |
| Annual return | 16.10% | 40.79%-24.7pp | 40.50%-24.4pp | 73.15%-57.0pp |
| Employer contribution / active EE | $560 | $1,753-68.0% | $4,182-86.6% | $2,343-76.1% |
| Participant deferral / active EE | $4,999 | $3,272+52.8% | $5,045-0.9% | $3,332+50.0% |
| Admin fee / account holder | $846 | $3,932-78.5% | $8,159-89.6% | $4,645-81.8% |