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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 | $90,988 | $88,360+3.0% | $145,433-37.4% | $67,986+33.8% |
| Participation rate | 65.0% | 65.5%-0.4pp | 82.1%-17.1pp | 57.2%+7.8pp |
| Annual return | 16.86% | 63.15%-46.3pp | 66.58%-49.7pp | 31.67%-14.8pp |
| Employer contribution / active EE | $517 | $3,054-83.1% | $4,554-88.6% | $2,019-74.4% |
| Participant deferral / active EE | $5,231 | $5,932-11.8% | $7,897-33.8% | $3,358+55.8% |
| Admin fee / account holder | $1,805 | $3,313-45.5% | $13,129-86.3% | $3,203-43.6% |