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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 | $83,329 | $50,947+63.6% | $74,551+11.8% | $64,173+29.9% |
| Participation rate | 68.4% | 61.1%+7.4pp | 69.1%-0.7pp | 69.6%-1.1pp |
| Annual return | 1.93% | -1.85%+3.8pp | 32.53%-30.6pp | 7.63%-5.7pp |
| Employer contribution / active EE | $580 | $1,115-48.0% | $1,961-70.4% | $2,381-75.7% |
| Participant deferral / active EE | $2,151 | $2,302-6.5% | $3,108-30.8% | $3,470-38.0% |
| Admin fee / account holder | $4,997 | $4,221+18.4% | $5,059-1.2% | $4,887+2.2% |