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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 | $92,704 | $91,198+1.7% | $178,503-48.1% | $79,856+16.1% |
| Participation rate | 36.0% | 69.2%-33.2pp | 81.9%-45.9pp | 69.6%-33.6pp |
| Annual return | 14.40% | 24.20%-9.8pp | 151.12%-136.7pp | 31.71%-17.3pp |
| Employer contribution / active EE | $803 | $3,257-75.3% | $5,011-84.0% | $2,471-67.5% |
| Participant deferral / active EE | $1,291 | $3,237-60.1% | $5,202-75.2% | $3,741-65.5% |
| Admin fee / account holder | $2,274 | $6,748-66.3% | $13,987-83.7% | $5,306-57.2% |