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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 | $78,138 | $48,364+61.6% | $71,796+8.8% | $62,881+24.3% |
| Participation rate | 57.4% | 60.6%-3.3pp | 69.1%-11.8pp | 69.3%-12.0pp |
| Annual return | 8.63% | 13.16%-4.5pp | 78.04%-69.4pp | 20.14%-11.5pp |
| Employer contribution / active EE | $374 | $1,042-64.1% | $1,924-80.6% | $2,281-83.6% |
| Participant deferral / active EE | $3,612 | $2,091+72.7% | $2,794+29.3% | $3,203+12.8% |
| Admin fee / account holder | $7,225 | $3,771+91.6% | $4,815+50.1% | $4,296+68.2% |