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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 | $78,629 | $67,894+15.8% | $89,340-12.0% | $82,448-4.6% |
| Participation rate | 64.7% | 64.0%+0.7pp | 69.6%-4.9pp | 68.1%-3.4pp |
| Annual return | 15.24% | 19.21%-4.0pp | 20.57%-5.3pp | 41.64%-26.4pp |
| Employer contribution / active EE | $0 | $1,828-100.0% | $2,231-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,402 | $3,072-54.4% | $3,823-63.3% | $4,139-66.1% |
| Admin fee / account holder | $811 | $5,723-85.8% | $6,704-87.9% | $7,234-88.8% |