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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 | $87,060-2.8% | $105,591-19.9% | $80,911+4.6% |
| Participation rate | 46.0% | 70.4%-24.4pp | 75.3%-29.3pp | 67.6%-21.6pp |
| Annual return | 10.26% | 17.05%-6.8pp | 116.43%-106.2pp | 35.63%-25.4pp |
| Employer contribution / active EE | $837 | $2,396-65.1% | $3,166-73.6% | $2,756-69.6% |
| Participant deferral / active EE | $2,960 | $3,986-25.8% | $5,008-40.9% | $4,297-31.1% |
| Admin fee / account holder | $7,047 | $8,442-16.5% | $11,024-36.1% | $6,935+1.6% |