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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 | $84,630 | $87,132-2.9% | $105,624-19.9% | $80,959+4.5% |
| Participation rate | 46.0% | 70.4%-24.4pp | 75.3%-29.3pp | 67.7%-21.7pp |
| Annual return | 10.26% | 17.03%-6.8pp | 116.20%-105.9pp | 35.67%-25.4pp |
| Employer contribution / active EE | $837 | $2,397-65.1% | $3,168-73.6% | $2,757-69.6% |
| Participant deferral / active EE | $2,960 | $3,985-25.7% | $5,013-41.0% | $4,300-31.2% |
| Admin fee / account holder | $7,047 | $8,449-16.6% | $10,961-35.7% | $6,925+1.8% |