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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 | $71,057-10.6% | $93,654-32.2% | $80,874-21.5% |
| Participation rate | 63.4% | 60.4%+3.0pp | 68.7%-5.3pp | 67.6%-4.2pp |
| Annual return | 10.97% | 11.26%-0.3pp | 133.34%-122.4pp | 35.62%-24.6pp |
| Employer contribution / active EE | $967 | $1,564-38.2% | $2,421-60.0% | $2,756-64.9% |
| Participant deferral / active EE | $4,055 | $4,034+0.5% | $4,413-8.1% | $4,297-5.6% |
| Admin fee / account holder | $12,230 | $6,944+76.1% | $8,282+47.7% | $6,935+76.3% |