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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 | $64,719 | $64,010+1.1% | $108,359-40.3% | $64,340+0.6% |
| Participation rate | 48.2% | 49.4%-1.2pp | 70.1%-21.9pp | 55.2%-7.0pp |
| Annual return | 16.18% | 19.74%-3.6pp | 36.89%-20.7pp | 24.14%-8.0pp |
| Employer contribution / active EE | $911 | $1,029-11.4% | $2,399-62.0% | $1,862-51.0% |
| Participant deferral / active EE | $3,245 | $2,395+35.5% | $4,137-21.6% | $2,980+8.9% |
| Admin fee / account holder | $7,066 | $4,885+44.7% | $9,741-27.5% | $3,703+90.8% |