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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 | $64,189 | $63,809+0.6% | $81,353-21.1% | $80,935-20.7% |
| Participation rate | 49.1% | 63.9%-14.8pp | 69.5%-20.4pp | 67.7%-18.5pp |
| Annual return | 11.64% | 16.37%-4.7pp | 24.82%-13.2pp | 35.66%-24.0pp |
| Employer contribution / active EE | $822 | $1,981-58.5% | $2,464-66.6% | $2,757-70.2% |
| Participant deferral / active EE | $2,712 | $3,093-12.3% | $3,885-30.2% | $4,299-36.9% |
| Admin fee / account holder | $18,032 | $5,686+217.1% | $5,766+212.7% | $6,924+160.4% |