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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 | $96,161 | $74,535+29.0% | $100,712-4.5% | $82,637+16.4% |
| Participation rate | 48.9% | 61.2%-12.3pp | 69.3%-20.4pp | 68.1%-19.2pp |
| Annual return | 19.80% | 18.92%+0.9pp | 33.27%-13.5pp | 53.51%-33.7pp |
| Employer contribution / active EE | $1,427 | $1,503-5.0% | $2,313-38.3% | $2,552-44.1% |
| Participant deferral / active EE | $3,848 | $3,074+25.2% | $4,085-5.8% | $4,126-6.7% |
| Admin fee / account holder | $1,339 | $6,576-79.6% | $9,256-85.5% | $7,339-81.8% |