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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 | $96,617 | $54,541+77.1% | $78,778+22.6% | $70,126+37.8% |
| Participation rate | 60.6% | 60.8%-0.2pp | 69.2%-8.6pp | 69.5%-8.9pp |
| Annual return | 15.92% | 21.07%-5.2pp | 35.62%-19.7pp | 73.15%-57.2pp |
| Employer contribution / active EE | $457 | $1,089-58.0% | $1,986-77.0% | $2,343-80.5% |
| Participant deferral / active EE | $4,656 | $2,210+110.7% | $2,958+57.4% | $3,332+39.7% |
| Admin fee / account holder | $582 | $3,709-84.3% | $5,134-88.7% | $4,645-87.5% |