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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 | $86,829 | $95,404-9.0% | $113,397-23.4% | $82,637+5.1% |
| Participation rate | 64.8% | 72.8%-8.0pp | 76.5%-11.7pp | 68.1%-3.3pp |
| Annual return | 14.21% | 19.08%-4.9pp | 23.20%-9.0pp | 53.51%-39.3pp |
| Employer contribution / active EE | $826 | $2,307-64.2% | $2,977-72.3% | $2,552-67.6% |
| Participant deferral / active EE | $3,573 | $4,220-15.3% | $5,076-29.6% | $4,126-13.4% |
| Admin fee / account holder | $806 | $9,168-91.2% | $11,957-93.3% | $7,339-89.0% |