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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 | $133,866 | $63,845+109.7% | $81,370+64.5% | $80,959+65.4% |
| Participation rate | 55.3% | 63.9%-8.6pp | 69.5%-14.3pp | 67.7%-12.4pp |
| Annual return | 16.08% | 16.37%-0.3pp | 24.85%-8.8pp | 35.67%-19.6pp |
| Employer contribution / active EE | $814 | $1,980-58.9% | $2,464-66.9% | $2,757-70.5% |
| Participant deferral / active EE | $7,912 | $3,093+155.8% | $3,885+103.6% | $4,300+84.0% |
| Admin fee / account holder | $24,251 | $5,688+326.3% | $5,749+321.8% | $6,925+250.2% |