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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 | $92,959 | $86,940+6.9% | $102,434-9.2% | $80,935+14.9% |
| Participation rate | 58.0% | 72.4%-14.4pp | 76.5%-18.5pp | 67.7%-9.7pp |
| Annual return | 12.80% | 18.89%-6.1pp | 29.46%-16.7pp | 35.66%-22.9pp |
| Employer contribution / active EE | $776 | $2,370-67.2% | $3,023-74.3% | $2,757-71.8% |
| Participant deferral / active EE | $2,897 | $4,121-29.7% | $5,055-42.7% | $4,299-32.6% |
| Admin fee / account holder | $6,587 | $8,047-18.1% | $9,462-30.4% | $6,924-4.9% |