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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 | $94,149 | $104,098-9.6% | $140,514-33.0% | $94,015+0.1% |
| Participation rate | 48.6% | 73.7%-25.1pp | 77.8%-29.1pp | 70.8%-22.2pp |
| Annual return | 12.40% | 15.14%-2.7pp | 14.36%-2.0pp | 17.84%-5.4pp |
| Employer contribution / active EE | $681 | $2,388-71.5% | $3,378-79.8% | $2,790-75.6% |
| Participant deferral / active EE | $2,344 | $4,033-41.9% | $4,919-52.4% | $4,249-44.8% |
| Admin fee / account holder | $16,419 | $10,439+57.3% | $13,697+19.9% | $8,951+83.4% |