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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 | $88,906 | $88,707+0.2% | $74,184+19.8% | $273,972-67.5% |
| Participation rate | 68.2% | 79.4%-11.3pp | 76.6%-8.4pp | 83.0%-14.8pp |
| Annual return | 6.55% | 11.94%-5.4pp | 17.74%-11.2pp | 41.46%-34.9pp |
| Employer contribution / active EE | $2,833 | $3,159-10.3% | $2,370+19.5% | $4,869-41.8% |
| Participant deferral / active EE | $2,047 | $4,212-51.4% | $3,550-42.3% | $5,287-61.3% |
| Admin fee / account holder | $4,241 | $8,717-51.3% | $5,586-24.1% | $10,133-58.1% |