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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 | $76,258 | $87,132-12.5% | $105,624-27.8% | $80,959-5.8% |
| Participation rate | 60.7% | 70.4%-9.7pp | 75.3%-14.6pp | 67.7%-7.0pp |
| Annual return | 22.87% | 17.03%+5.8pp | 116.20%-93.3pp | 35.67%-12.8pp |
| Employer contribution / active EE | $762 | $2,397-68.2% | $3,168-75.9% | $2,757-72.3% |
| Participant deferral / active EE | $2,557 | $3,985-35.9% | $5,013-49.0% | $4,300-40.6% |
| Admin fee / account holder | $13,257 | $8,449+56.9% | $10,961+20.9% | $6,925+91.4% |