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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 | $80,461 | $70,418+14.3% | $96,570-16.7% | $85,847-6.3% |
| Participation rate | 59.5% | 61.8%-2.4pp | 69.8%-10.4pp | 69.3%-9.9pp |
| Annual return | 15.53% | 18.59%-3.1pp | 37.79%-22.3pp | 318.61%-303.1pp |
| Employer contribution / active EE | $913 | $1,413-35.4% | $2,357-61.3% | $2,565-64.4% |
| Participant deferral / active EE | $8,906 | $2,894+207.7% | $3,849+131.4% | $3,952+125.3% |
| Admin fee / account holder | $4,780 | $4,995-4.3% | $6,182-22.7% | $6,261-23.7% |