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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 | $72,357 | $54,757+32.1% | $90,300-19.9% | $72,983-0.9% |
| Participation rate | 35.2% | 65.1%-30.0pp | 73.3%-38.1pp | 69.5%-34.3pp |
| Annual return | 20.57% | 30.63%-10.1pp | 78.11%-57.5pp | 81.01%-60.4pp |
| Employer contribution / active EE | $333 | $2,092-84.1% | $2,854-88.3% | $2,440-86.3% |
| Participant deferral / active EE | $2,214 | $2,887-23.3% | $3,884-43.0% | $3,608-38.6% |
| Admin fee / account holder | $5,072 | $3,972+27.7% | $5,353-5.3% | $5,124-1.0% |