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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 | $76,781 | $81,331-5.6% | $155,534-50.6% | $80,935-5.1% |
| Participation rate | 62.5% | 66.3%-3.8pp | 78.2%-15.7pp | 67.7%-5.2pp |
| Annual return | 15.72% | 33.37%-17.7pp | 64.92%-49.2pp | 35.66%-19.9pp |
| Employer contribution / active EE | $796 | $3,105-74.3% | $4,675-83.0% | $2,757-71.1% |
| Participant deferral / active EE | $1,679 | $3,454-51.4% | $5,630-70.2% | $4,299-61.0% |
| Admin fee / account holder | $759 | $7,999-90.5% | $15,900-95.2% | $6,924-89.0% |