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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 | $79,442 | $58,828+35.0% | $78,002+1.8% | $62,881+26.3% |
| Participation rate | 60.0% | 71.1%-11.1pp | 75.5%-15.5pp | 69.3%-9.3pp |
| Annual return | 8.84% | 17.16%-8.3pp | 425.99%-417.1pp | 20.14%-11.3pp |
| Employer contribution / active EE | $660 | $1,672-60.5% | $2,470-73.3% | $2,281-71.1% |
| Participant deferral / active EE | $3,243 | $2,686+20.8% | $3,497-7.3% | $3,203+1.2% |
| Admin fee / account holder | $3,345 | $4,393-23.9% | $5,481-39.0% | $4,296-22.1% |