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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 | $112,761 | $76,834+46.8% | $108,359+4.1% | $87,485+28.9% |
| Participation rate | 63.5% | 61.7%+1.8pp | 70.1%-6.6pp | 68.9%-5.4pp |
| Annual return | 15.02% | 19.09%-4.1pp | 36.89%-21.9pp | 26.06%-11.0pp |
| Employer contribution / active EE | $473 | $1,556-69.6% | $2,399-80.3% | $2,596-81.8% |
| Participant deferral / active EE | $2,768 | $3,100-10.7% | $4,137-33.1% | $4,274-35.2% |
| Admin fee / account holder | $26,564 | $6,537+306.4% | $9,741+172.7% | $7,775+241.7% |