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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 | $116,220 | $69,590+67.0% | $136,867-15.1% | $94,015+23.6% |
| Participation rate | 56.1% | 66.3%-10.2pp | 74.5%-18.4pp | 70.8%-14.7pp |
| Annual return | 11.55% | 19.62%-8.1pp | 42.97%-31.4pp | 17.84%-6.3pp |
| Employer contribution / active EE | $668 | $2,396-72.1% | $3,547-81.2% | $2,790-76.1% |
| Participant deferral / active EE | $1,297 | $3,437-62.2% | $4,924-73.6% | $4,249-69.5% |
| Admin fee / account holder | $4,620 | $8,912-48.2% | $10,340-55.3% | $8,951-48.4% |