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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 | $69,506 | $68,852+0.9% | $120,524-42.3% | $80,925-14.1% |
| Participation rate | 56.0% | 61.6%-5.6pp | 71.9%-15.9pp | 67.7%-11.7pp |
| Annual return | 13.58% | 23.67%-10.1pp | 107.36%-93.8pp | 35.65%-22.1pp |
| Employer contribution / active EE | $1,170 | $2,063-43.3% | $3,469-66.3% | $2,756-57.6% |
| Participant deferral / active EE | $3,057 | $3,187-4.1% | $4,994-38.8% | $4,299-28.9% |
| Admin fee / account holder | $956 | $5,781-83.5% | $9,440-89.9% | $6,940-86.2% |