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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 | $98,055 | $72,486+35.3% | $87,103+12.6% | $72,976+34.4% |
| Participation rate | 65.4% | 72.8%-7.4pp | 76.9%-11.5pp | 69.5%-4.1pp |
| Annual return | 18.06% | 24.46%-6.4pp | 28.19%-10.1pp | 81.02%-63.0pp |
| Employer contribution / active EE | $579 | $1,894-69.4% | $2,521-77.0% | $2,440-76.3% |
| Participant deferral / active EE | $4,082 | $3,270+24.8% | $4,049+0.8% | $3,608+13.1% |
| Admin fee / account holder | $17,773 | $5,055+251.6% | $7,491+137.2% | $5,124+246.8% |