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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 | $73,086 | $84,236-13.2% | $170,435-57.1% | $70,126+4.2% |
| Participation rate | 63.5% | 70.8%-7.3pp | 83.6%-20.1pp | 69.5%-6.0pp |
| Annual return | 14.19% | 23.06%-8.9pp | 205.94%-191.8pp | 73.15%-59.0pp |
| Employer contribution / active EE | $1,850 | $3,387-45.4% | $5,432-66.0% | $2,343-21.0% |
| Participant deferral / active EE | $4,659 | $3,086+51.0% | $4,939-5.7% | $3,332+39.8% |
| Admin fee / account holder | $3,219 | $5,698-43.5% | $13,881-76.8% | $4,645-30.7% |