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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 | $94,474 | $83,898+12.6% | $133,346-29.2% | $94,015+0.5% |
| Participation rate | 30.6% | 63.4%-32.7pp | 72.8%-42.2pp | 70.8%-40.2pp |
| Annual return | 15.73% | 16.00%-0.3pp | 36.85%-21.1pp | 17.84%-2.1pp |
| Employer contribution / active EE | $1,723 | $1,821-5.4% | $2,853-39.6% | $2,790-38.2% |
| Participant deferral / active EE | $4,027 | $3,245+24.1% | $4,332-7.1% | $4,249-5.2% |
| Admin fee / account holder | $3,768 | $7,809-51.7% | $14,264-73.6% | $8,951-57.9% |