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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 | $99,070 | $65,027+52.4% | $90,970+8.9% | $79,852+24.1% |
| Participation rate | 63.6% | 61.6%+2.0pp | 69.0%-5.4pp | 69.6%-6.0pp |
| Annual return | 12.32% | 30.45%-18.1pp | 134.58%-122.3pp | 31.72%-19.4pp |
| Employer contribution / active EE | $322 | $1,247-74.2% | $2,122-84.8% | $2,471-87.0% |
| Participant deferral / active EE | $1,652 | $2,512-34.2% | $3,373-51.0% | $3,740-55.8% |
| Admin fee / account holder | $2,496 | $4,535-45.0% | $5,960-58.1% | $5,306-53.0% |