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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 | $72,636 | $77,574-6.4% | $108,753-33.2% | $86,983-16.5% |
| Participation rate | 64.9% | 62.3%+2.6pp | 71.1%-6.2pp | 69.5%-4.6pp |
| Annual return | 17.21% | 18.42%-1.2pp | 37.47%-20.3pp | 25.83%-8.6pp |
| Employer contribution / active EE | $528 | $1,611-67.2% | $2,427-78.2% | $2,584-79.6% |
| Participant deferral / active EE | $2,994 | $3,128-4.3% | $4,115-27.2% | $4,194-28.6% |
| Admin fee / account holder | $1,796 | $6,529-72.5% | $10,320-82.6% | $7,856-77.1% |