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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 | $96,479 | $61,660+56.5% | $80,022+20.6% | $64,173+50.3% |
| Participation rate | 60.5% | 71.7%-11.2pp | 75.8%-15.3pp | 69.6%-9.1pp |
| Annual return | -5.08% | -0.33%-4.8pp | 11.22%-16.3pp | 7.63%-12.7pp |
| Employer contribution / active EE | $906 | $1,810-50.0% | $2,468-63.3% | $2,381-62.0% |
| Participant deferral / active EE | $6,249 | $2,968+110.6% | $3,686+69.5% | $3,470+80.1% |
| Admin fee / account holder | $7,165 | $5,417+32.3% | $6,521+9.9% | $4,887+46.6% |