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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 | $64,449 | $72,114-10.6% | $108,745-40.7% | $62,881+2.5% |
| Participation rate | 56.0% | 74.6%-18.6pp | 77.7%-21.7pp | 69.3%-13.3pp |
| Annual return | 6.26% | 13.41%-7.1pp | 46.22%-40.0pp | 20.14%-13.9pp |
| Employer contribution / active EE | $925 | $2,694-65.6% | $3,323-72.2% | $2,281-59.4% |
| Participant deferral / active EE | $3,460 | $4,044-14.4% | $5,121-32.4% | $3,203+8.0% |
| Admin fee / account holder | $7,418 | $4,608+61.0% | $6,144+20.7% | $4,296+72.7% |