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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 | $78,834 | $88,707-11.1% | $74,184+6.3% | $273,972-71.2% |
| Participation rate | 66.7% | 79.4%-12.8pp | 76.6%-10.0pp | 83.0%-16.3pp |
| Annual return | 6.47% | 11.94%-5.5pp | 17.74%-11.3pp | 41.46%-35.0pp |
| Employer contribution / active EE | $1,835 | $3,159-41.9% | $2,370-22.6% | $4,869-62.3% |
| Participant deferral / active EE | $2,612 | $4,212-38.0% | $3,550-26.4% | $5,287-50.6% |
| Admin fee / account holder | $539 | $8,717-93.8% | $5,586-90.3% | $10,133-94.7% |