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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 | $84,545 | $78,707+7.4% | $117,861-28.3% | $70,126+20.6% |
| Participation rate | 64.0% | 73.2%-9.2pp | 79.7%-15.7pp | 69.5%-5.5pp |
| Annual return | 12.44% | 23.30%-10.9pp | 335.11%-322.7pp | 73.15%-60.7pp |
| Employer contribution / active EE | $601 | $2,223-73.0% | $3,786-84.1% | $2,343-74.4% |
| Participant deferral / active EE | $1,509 | $3,297-54.2% | $4,482-66.3% | $3,332-54.7% |
| Admin fee / account holder | $7,524 | $5,066+48.5% | $8,021-6.2% | $4,645+62.0% |