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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 | $68,847 | $72,177-4.6% | $115,038-40.2% | $59,633+15.4% |
| Participation rate | 63.4% | 72.6%-9.1pp | 81.4%-18.0pp | 68.7%-5.3pp |
| Annual return | 16.48% | 12.02%+4.5pp | 26.14%-9.7pp | 2041.45%-2025.0pp |
| Employer contribution / active EE | $1,192 | $2,841-58.0% | $4,608-74.1% | $2,203-45.9% |
| Participant deferral / active EE | $6,563 | $4,783+37.2% | $6,026+8.9% | $3,192+105.6% |
| Admin fee / account holder | $467 | $4,927-90.5% | $8,175-94.3% | $4,297-89.1% |