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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 | $91,708 | $51,207+79.1% | $70,565+30.0% | $75,177+22.0% |
| Participation rate | 32.4% | 61.0%-28.6pp | 68.4%-36.0pp | 67.2%-34.9pp |
| Annual return | 15.73% | 30.05%-14.3pp | 32.79%-17.1pp | 160.75%-145.0pp |
| Employer contribution / active EE | $424 | $1,826-76.8% | $2,976-85.8% | $2,671-84.1% |
| Participant deferral / active EE | $3,614 | $2,850+26.8% | $4,568-20.9% | $4,126-12.4% |
| Admin fee / account holder | $4,122 | $4,097+0.6% | $6,430-35.9% | $5,651-27.1% |