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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 | $89,731 | $71,197+26.0% | $93,669-4.2% | $80,925+10.9% |
| Participation rate | 46.2% | 60.4%-14.2pp | 68.7%-22.6pp | 67.7%-21.5pp |
| Annual return | 11.72% | 11.27%+0.4pp | 133.59%-121.9pp | 35.65%-23.9pp |
| Employer contribution / active EE | $385 | $1,565-75.4% | $2,424-84.1% | $2,756-86.0% |
| Participant deferral / active EE | $3,559 | $4,036-11.8% | $4,416-19.4% | $4,299-17.2% |
| Admin fee / account holder | $1,369 | $6,959-80.3% | $8,291-83.5% | $6,940-80.3% |