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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 | $80,525 | $88,707-9.2% | $74,184+8.5% | $273,972-70.6% |
| Participation rate | 61.1% | 79.4%-18.3pp | 76.6%-15.5pp | 83.0%-21.9pp |
| Annual return | 5.88% | 11.94%-6.1pp | 17.74%-11.9pp | 41.46%-35.6pp |
| Employer contribution / active EE | $765 | $3,159-75.8% | $2,370-67.7% | $4,869-84.3% |
| Participant deferral / active EE | $3,397 | $4,212-19.3% | $3,550-4.3% | $5,287-35.7% |
| Admin fee / account holder | $6,576 | $8,717-24.6% | $5,586+17.7% | $10,133-35.1% |