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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 | $80,608 | $69,590+15.8% | $136,867-41.1% | $94,015-14.3% |
| Participation rate | 51.3% | 66.3%-15.0pp | 74.5%-23.3pp | 70.8%-19.5pp |
| Annual return | 15.47% | 19.62%-4.1pp | 42.97%-27.5pp | 17.84%-2.4pp |
| Employer contribution / active EE | $716 | $2,396-70.1% | $3,547-79.8% | $2,790-74.3% |
| Participant deferral / active EE | $1,499 | $3,437-56.4% | $4,924-69.6% | $4,249-64.7% |
| Admin fee / account holder | $2,520 | $8,912-71.7% | $10,340-75.6% | $8,951-71.9% |