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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 | $85,188 | $64,517+32.0% | $81,438+4.6% | $80,874+5.3% |
| Participation rate | 52.7% | 63.9%-11.2pp | 69.5%-16.8pp | 67.6%-15.0pp |
| Annual return | 11.00% | 16.35%-5.3pp | 24.74%-13.7pp | 35.62%-24.6pp |
| Employer contribution / active EE | $879 | $1,982-55.7% | $2,460-64.3% | $2,756-68.1% |
| Participant deferral / active EE | $2,825 | $3,096-8.7% | $3,883-27.2% | $4,297-34.2% |
| Admin fee / account holder | $6,149 | $5,677+8.3% | $5,764+6.7% | $6,935-11.3% |