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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 | $80,875 | $77,574+4.3% | $108,753-25.6% | $86,983-7.0% |
| Participation rate | 67.1% | 62.3%+4.8pp | 71.1%-4.0pp | 69.5%-2.5pp |
| Annual return | 12.42% | 18.42%-6.0pp | 37.47%-25.0pp | 25.83%-13.4pp |
| Employer contribution / active EE | $786 | $1,611-51.2% | $2,427-67.6% | $2,584-69.6% |
| Participant deferral / active EE | $3,796 | $3,128+21.3% | $4,115-7.7% | $4,194-9.5% |
| Admin fee / account holder | $8,759 | $6,529+34.2% | $10,320-15.1% | $7,856+11.5% |