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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 | $88,196 | $87,060+1.3% | $105,591-16.5% | $80,911+9.0% |
| Participation rate | 63.9% | 70.4%-6.6pp | 75.3%-11.4pp | 67.6%-3.8pp |
| Annual return | 10.73% | 17.05%-6.3pp | 116.43%-105.7pp | 35.63%-24.9pp |
| Employer contribution / active EE | $683 | $2,396-71.5% | $3,166-78.4% | $2,756-75.2% |
| Participant deferral / active EE | $3,809 | $3,986-4.4% | $5,008-23.9% | $4,297-11.4% |
| Admin fee / account holder | $2,765 | $8,442-67.2% | $11,024-74.9% | $6,935-60.1% |