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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 | $100,988 | $56,894+77.5% | $84,753+19.2% | $62,881+60.6% |
| Participation rate | 65.6% | 68.5%-2.9pp | 76.6%-11.0pp | 69.3%-3.7pp |
| Annual return | 6.49% | 6.30%+0.2pp | 22.78%-16.3pp | 20.14%-13.7pp |
| Employer contribution / active EE | $1,144 | $2,400-52.3% | $3,574-68.0% | $2,281-49.9% |
| Participant deferral / active EE | $4,069 | $2,709+50.2% | $3,712+9.6% | $3,203+27.1% |
| Admin fee / account holder | $882 | $3,581-75.4% | $5,333-83.5% | $4,296-79.5% |