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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 | $84,009 | $85,515-1.8% | $112,040-25.0% | $67,986+23.6% |
| Participation rate | 58.9% | 68.2%-9.3pp | 76.5%-17.6pp | 57.2%+1.7pp |
| Annual return | 21.51% | 29.68%-8.2pp | 24.52%-3.0pp | 31.67%-10.2pp |
| Employer contribution / active EE | $850 | $2,191-61.2% | $2,954-71.2% | $2,019-57.9% |
| Participant deferral / active EE | $3,350 | $4,014-16.5% | $5,098-34.3% | $3,358-0.2% |
| Admin fee / account holder | $13,502 | $3,774+257.8% | $12,098+11.6% | $3,203+321.5% |