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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 | $85,267 | $57,119+49.3% | $85,187+0.1% | $80,935+5.4% |
| Participation rate | 26.8% | 56.4%-29.6pp | 67.5%-40.7pp | 67.7%-40.9pp |
| Annual return | 11.20% | 21.70%-10.5pp | 66.67%-55.5pp | 35.66%-24.5pp |
| Employer contribution / active EE | $468 | $1,802-74.0% | $2,732-82.9% | $2,757-83.0% |
| Participant deferral / active EE | $1,348 | $3,115-56.7% | $4,525-70.2% | $4,299-68.6% |
| Admin fee / account holder | $7,205 | $4,990+44.4% | $6,162+16.9% | $6,924+4.1% |