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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 | $63,491 | $71,230-10.9% | $93,727-32.3% | $80,959-21.6% |
| Participation rate | 63.4% | 60.4%+3.0pp | 68.7%-5.3pp | 67.7%-4.3pp |
| Annual return | 10.97% | 11.26%-0.3pp | 133.83%-122.9pp | 35.67%-24.7pp |
| Employer contribution / active EE | $967 | $1,565-38.2% | $2,421-60.1% | $2,757-64.9% |
| Participant deferral / active EE | $4,055 | $4,037+0.4% | $4,417-8.2% | $4,300-5.7% |
| Admin fee / account holder | $12,230 | $6,961+75.7% | $8,292+47.5% | $6,925+76.6% |