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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 | $71,672 | $71,215+0.6% | $93,696-23.5% | $80,935-11.4% |
| Participation rate | 56.3% | 60.4%-4.2pp | 68.7%-12.5pp | 67.7%-11.4pp |
| Annual return | 17.76% | 11.27%+6.5pp | 133.74%-116.0pp | 35.66%-17.9pp |
| Employer contribution / active EE | $790 | $1,565-49.5% | $2,422-67.4% | $2,757-71.3% |
| Participant deferral / active EE | $3,103 | $4,037-23.1% | $4,417-29.7% | $4,299-27.8% |
| Admin fee / account holder | $5,088 | $6,958-26.9% | $8,287-38.6% | $6,924-26.5% |