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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 | $74,926 | $69,977+7.1% | $108,582-31.0% | $62,881+19.2% |
| Participation rate | 59.3% | 72.9%-13.6pp | 79.6%-20.3pp | 69.3%-10.0pp |
| Annual return | 5.68% | 10.73%-5.0pp | -51.70%+57.4pp | 20.14%-14.5pp |
| Employer contribution / active EE | $895 | $2,135-58.1% | $3,758-76.2% | $2,281-60.7% |
| Participant deferral / active EE | $2,218 | $3,165-29.9% | $4,311-48.5% | $3,203-30.7% |
| Admin fee / account holder | $1,903 | $5,076-62.5% | $7,645-75.1% | $4,296-55.7% |