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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 | $80,585 | $78,705+2.4% | $117,860-31.6% | $70,124+14.9% |
| Participation rate | 61.4% | 73.2%-11.8pp | 79.7%-18.3pp | 69.5%-8.1pp |
| Annual return | 18.16% | 23.30%-5.1pp | 335.10%-316.9pp | 73.14%-55.0pp |
| Employer contribution / active EE | $1,438 | $2,223-35.3% | $3,786-62.0% | $2,342-38.6% |
| Participant deferral / active EE | $2,643 | $3,297-19.8% | $4,482-41.0% | $3,332-20.7% |
| Admin fee / account holder | $414 | $5,065-91.8% | $8,021-94.8% | $4,645-91.1% |