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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 | $69,340 | $49,025+41.4% | $87,502-20.8% | $62,881+10.3% |
| Participation rate | 52.2% | 64.9%-12.6pp | 73.8%-21.6pp | 69.3%-17.1pp |
| Annual return | 7.42% | 10.02%-2.6pp | 12.21%-4.8pp | 20.14%-12.7pp |
| Employer contribution / active EE | $258 | $1,372-81.2% | $2,550-89.9% | $2,281-88.7% |
| Participant deferral / active EE | $2,746 | $2,289+20.0% | $3,149-12.8% | $3,203-14.3% |
| Admin fee / account holder | $1,592 | $4,065-60.9% | $4,221-62.3% | $4,296-63.0% |