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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 | $77,577 | $75,720+2.5% | $90,312-14.1% | $86,983-10.8% |
| Participation rate | 35.5% | 66.3%-30.8pp | 72.9%-37.4pp | 69.5%-34.1pp |
| Annual return | 16.48% | 18.55%-2.1pp | 18.90%-2.4pp | 25.83%-9.3pp |
| Employer contribution / active EE | $1,102 | $1,945-43.4% | $2,243-50.9% | $2,584-57.4% |
| Participant deferral / active EE | $1,722 | $3,001-42.6% | $3,749-54.1% | $4,194-58.9% |
| Admin fee / account holder | $2,407 | $6,201-61.2% | $8,248-70.8% | $7,856-69.4% |