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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 | $80,992 | $86,938-6.8% | $102,423-20.9% | $80,925+0.1% |
| Participation rate | 64.3% | 72.4%-8.1pp | 76.5%-12.2pp | 67.7%-3.4pp |
| Annual return | 12.69% | 18.89%-6.2pp | 29.42%-16.7pp | 35.65%-23.0pp |
| Employer contribution / active EE | $894 | $2,369-62.3% | $3,023-70.4% | $2,756-67.6% |
| Participant deferral / active EE | $2,066 | $4,120-49.9% | $5,054-59.1% | $4,299-51.9% |
| Admin fee / account holder | $2,757 | $8,053-65.8% | $9,455-70.8% | $6,940-60.3% |