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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 | $94,337 | $86,949+8.5% | $102,460-7.9% | $80,959+16.5% |
| Participation rate | 67.6% | 72.4%-4.8pp | 76.5%-8.9pp | 67.7%-0.1pp |
| Annual return | 14.07% | 18.89%-4.8pp | 29.47%-15.4pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,820 | $2,370-23.2% | $3,025-39.8% | $2,757-34.0% |
| Participant deferral / active EE | $2,841 | $4,121-31.1% | $5,056-43.8% | $4,300-33.9% |
| Admin fee / account holder | $3,012 | $8,048-62.6% | $9,460-68.2% | $6,925-56.5% |