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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 | $80,334 | $88,707-9.4% | $74,184+8.3% | $273,972-70.7% |
| Participation rate | 61.5% | 79.4%-17.9pp | 76.6%-15.1pp | 83.0%-21.5pp |
| Annual return | 9.31% | 11.94%-2.6pp | 17.74%-8.4pp | 41.46%-32.1pp |
| Employer contribution / active EE | $2,349 | $3,159-25.7% | $2,370-0.9% | $4,869-51.8% |
| Participant deferral / active EE | $3,850 | $4,212-8.6% | $3,550+8.5% | $5,287-27.2% |
| Admin fee / account holder | $360 | $8,717-95.9% | $5,586-93.6% | $10,133-96.4% |