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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 | $84,486 | $58,493+44.4% | $84,021+0.6% | $72,975+15.8% |
| Participation rate | 54.0% | 61.2%-7.2pp | 69.0%-15.0pp | 69.5%-15.5pp |
| Annual return | 23.33% | 28.93%-5.6pp | 71.32%-48.0pp | 81.01%-57.7pp |
| Employer contribution / active EE | $330 | $1,163-71.7% | $1,984-83.4% | $2,440-86.5% |
| Participant deferral / active EE | $2,216 | $2,394-7.4% | $3,239-31.6% | $3,608-38.6% |
| Admin fee / account holder | $3,604 | $4,569-21.1% | $6,102-40.9% | $5,124-29.7% |