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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 | $64,496 | $69,977-7.8% | $108,582-40.6% | $62,881+2.6% |
| Participation rate | 67.6% | 72.9%-5.3pp | 79.6%-12.0pp | 69.3%-1.7pp |
| Annual return | 14.56% | 10.73%+3.8pp | -51.70%+66.3pp | 20.14%-5.6pp |
| Employer contribution / active EE | $844 | $2,135-60.5% | $3,758-77.6% | $2,281-63.0% |
| Participant deferral / active EE | $3,342 | $3,165+5.6% | $4,311-22.5% | $3,203+4.3% |
| Admin fee / account holder | $6,515 | $5,076+28.3% | $7,645-14.8% | $4,296+51.7% |