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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 | $109,183 | $73,787+48.0% | $98,716+10.6% | $82,448+32.4% |
| Participation rate | 57.8% | 61.4%-3.6pp | 69.3%-11.5pp | 68.1%-10.3pp |
| Annual return | 13.97% | 18.57%-4.6pp | 31.81%-17.8pp | 41.64%-27.7pp |
| Employer contribution / active EE | $709 | $1,511-53.1% | $2,279-68.9% | $2,551-72.2% |
| Participant deferral / active EE | $3,967 | $3,081+28.7% | $4,048-2.0% | $4,139-4.2% |
| Admin fee / account holder | $5,410 | $6,500-16.8% | $8,703-37.8% | $7,234-25.2% |