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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 | $76,729 | $87,059-11.9% | $105,608-27.3% | $80,925-5.2% |
| Participation rate | 56.3% | 70.4%-14.2pp | 75.3%-19.0pp | 67.7%-11.4pp |
| Annual return | 14.43% | 17.05%-2.6pp | 116.50%-102.1pp | 35.65%-21.2pp |
| Employer contribution / active EE | $970 | $2,396-59.5% | $3,167-69.4% | $2,756-64.8% |
| Participant deferral / active EE | $1,793 | $3,986-55.0% | $5,010-64.2% | $4,299-58.3% |
| Admin fee / account holder | $1,698 | $8,443-79.9% | $11,028-84.6% | $6,940-75.5% |