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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 | $88,690 | $91,120-2.7% | $161,149-45.0% | $64,097+38.4% |
| Participation rate | 68.3% | 62.2%+6.1pp | 78.8%-10.6pp | 55.2%+13.1pp |
| Annual return | 16.41% | 17.95%-1.5pp | 21.16%-4.7pp | 34.64%-18.2pp |
| Employer contribution / active EE | $1,010 | $2,284-55.8% | $4,360-76.8% | $1,891-46.6% |
| Participant deferral / active EE | $5,236 | $3,708+41.2% | $6,153-14.9% | $3,080+70.0% |
| Admin fee / account holder | $3,098 | $4,535-31.7% | $15,194-79.6% | $3,454-10.3% |