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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 | $82,126 | $58,493+40.4% | $84,023-2.3% | $72,976+12.5% |
| Participation rate | 39.6% | 61.2%-21.6pp | 69.0%-29.4pp | 69.5%-29.9pp |
| Annual return | 18.65% | 28.93%-10.3pp | 71.32%-52.7pp | 81.02%-62.4pp |
| Employer contribution / active EE | $274 | $1,163-76.5% | $1,984-86.2% | $2,440-88.8% |
| Participant deferral / active EE | $2,073 | $2,394-13.4% | $3,239-36.0% | $3,608-42.5% |
| Admin fee / account holder | $4,275 | $4,569-6.4% | $6,102-29.9% | $5,124-16.6% |