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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 | $81,553 | $78,428+4.0% | $95,960-15.0% | $79,852+2.1% |
| Participation rate | 65.9% | 73.5%-7.6pp | 77.1%-11.2pp | 69.6%-3.8pp |
| Annual return | 14.28% | 19.37%-5.1pp | 91.63%-77.4pp | 31.72%-17.4pp |
| Employer contribution / active EE | $489 | $1,945-74.8% | $2,541-80.7% | $2,471-80.2% |
| Participant deferral / active EE | $3,102 | $3,440-9.8% | $4,167-25.6% | $3,740-17.1% |
| Admin fee / account holder | $7,508 | $5,622+33.5% | $6,797+10.5% | $5,306+41.5% |