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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 | $104,024 | $62,583+66.2% | $76,767+35.5% | $64,173+62.1% |
| Participation rate | 69.2% | 72.8%-3.6pp | 77.0%-7.7pp | 69.6%-0.3pp |
| Annual return | -4.16% | -1.95%-2.2pp | 2.43%-6.6pp | 7.63%-11.8pp |
| Employer contribution / active EE | $601 | $1,832-67.2% | $2,485-75.8% | $2,381-74.7% |
| Participant deferral / active EE | $3,758 | $3,145+19.5% | $3,852-2.4% | $3,470+8.3% |
| Admin fee / account holder | $10,294 | $4,667+120.6% | $6,675+54.2% | $4,887+110.6% |