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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 | $76,366 | $70,486+8.3% | $100,528-24.0% | $79,852-4.4% |
| Participation rate | 66.7% | 73.6%-7.0pp | 79.4%-12.8pp | 69.6%-3.0pp |
| Annual return | 20.48% | 21.90%-1.4pp | 30.90%-10.4pp | 31.72%-11.2pp |
| Employer contribution / active EE | $1,942 | $2,165-10.3% | $3,419-43.2% | $2,471-21.4% |
| Participant deferral / active EE | $4,004 | $5,182-22.7% | $6,271-36.1% | $3,740+7.1% |
| Admin fee / account holder | $4,463 | $4,480-0.4% | $8,084-44.8% | $5,306-15.9% |