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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 | $79,709 | $65,027+22.6% | $90,970-12.4% | $79,852-0.2% |
| Participation rate | 61.8% | 61.6%+0.2pp | 69.0%-7.2pp | 69.6%-7.8pp |
| Annual return | 11.52% | 30.45%-18.9pp | 134.58%-123.1pp | 31.72%-20.2pp |
| Employer contribution / active EE | $989 | $1,247-20.7% | $2,122-53.4% | $2,471-60.0% |
| Participant deferral / active EE | $3,082 | $2,512+22.7% | $3,373-8.6% | $3,740-17.6% |
| Admin fee / account holder | $7,272 | $4,535+60.3% | $5,960+22.0% | $5,306+37.0% |