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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 | $85,503 | $86,938-1.7% | $102,423-16.5% | $80,925+5.7% |
| Participation rate | 69.7% | 72.4%-2.7pp | 76.5%-6.8pp | 67.7%+2.0pp |
| Annual return | 10.66% | 18.89%-8.2pp | 29.42%-18.8pp | 35.65%-25.0pp |
| Employer contribution / active EE | $829 | $2,369-65.0% | $3,023-72.6% | $2,756-69.9% |
| Participant deferral / active EE | $3,980 | $4,120-3.4% | $5,054-21.3% | $4,299-7.4% |
| Admin fee / account holder | $32,924 | $8,053+308.9% | $9,455+248.2% | $6,940+374.4% |