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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 | $84,614 | $81,487+3.8% | $102,412-17.4% | $80,935+4.5% |
| Participation rate | 41.9% | 66.8%-24.9pp | 74.5%-32.6pp | 67.7%-25.7pp |
| Annual return | 16.83% | 25.60%-8.8pp | 24.94%-8.1pp | 35.66%-18.8pp |
| Employer contribution / active EE | $1,420 | $3,103-54.2% | $3,870-63.3% | $2,757-48.5% |
| Participant deferral / active EE | $3,061 | $3,871-20.9% | $5,060-39.5% | $4,299-28.8% |
| Admin fee / account holder | $3,404 | $6,717-49.3% | $8,388-59.4% | $6,924-50.8% |