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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 | $86,218 | $71,526+20.5% | $98,450-12.4% | $71,495+20.6% |
| Participation rate | 61.0% | 72.7%-11.7pp | 75.2%-14.1pp | 67.9%-6.9pp |
| Annual return | 16.44% | 32.42%-16.0pp | 21.16%-4.7pp | 28.85%-12.4pp |
| Employer contribution / active EE | $986 | $2,400-58.9% | $3,049-67.6% | $2,589-61.9% |
| Participant deferral / active EE | $2,664 | $4,110-35.2% | $4,739-43.8% | $4,291-37.9% |
| Admin fee / account holder | $5,109 | $1,675+205.0% | $8,961-43.0% | $1,588+221.7% |