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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 | $89,566 | $58,493+53.1% | $84,023+6.6% | $72,976+22.7% |
| Participation rate | 60.7% | 61.2%-0.5pp | 69.0%-8.3pp | 69.5%-8.8pp |
| Annual return | 21.49% | 28.93%-7.4pp | 71.32%-49.8pp | 81.02%-59.5pp |
| Employer contribution / active EE | $553 | $1,163-52.5% | $1,984-72.1% | $2,440-77.3% |
| Participant deferral / active EE | $5,899 | $2,394+146.4% | $3,239+82.1% | $3,608+63.5% |
| Admin fee / account holder | $42,875 | $4,569+838.5% | $6,102+602.6% | $5,124+736.7% |