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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 | $82,153 | $76,834+6.9% | $108,359-24.2% | $87,485-6.1% |
| Participation rate | 48.6% | 61.7%-13.2pp | 70.1%-21.6pp | 68.9%-20.4pp |
| Annual return | 18.19% | 19.09%-0.9pp | 36.89%-18.7pp | 26.06%-7.9pp |
| Employer contribution / active EE | $841 | $1,556-45.9% | $2,399-64.9% | $2,596-67.6% |
| Participant deferral / active EE | $1,948 | $3,100-37.2% | $4,137-52.9% | $4,274-54.4% |
| Admin fee / account holder | $894 | $6,537-86.3% | $9,741-90.8% | $7,775-88.5% |