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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 | $75,490 | $74,535+1.3% | $100,712-25.0% | $82,637-8.6% |
| Participation rate | 31.0% | 61.2%-30.2pp | 69.3%-38.3pp | 68.1%-37.1pp |
| Annual return | 14.35% | 18.92%-4.6pp | 33.27%-18.9pp | 53.51%-39.2pp |
| Employer contribution / active EE | $396 | $1,503-73.6% | $2,313-82.9% | $2,552-84.5% |
| Participant deferral / active EE | $1,806 | $3,074-41.2% | $4,085-55.8% | $4,126-56.2% |
| Admin fee / account holder | $4,408 | $6,576-33.0% | $9,256-52.4% | $7,339-39.9% |