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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 | $82,884 | $81,487+1.7% | $102,412-19.1% | $80,935+2.4% |
| Participation rate | 57.7% | 66.8%-9.1pp | 74.5%-16.8pp | 67.7%-10.0pp |
| Annual return | 20.18% | 25.60%-5.4pp | 24.94%-4.8pp | 35.66%-15.5pp |
| Employer contribution / active EE | $853 | $3,103-72.5% | $3,870-77.9% | $2,757-69.0% |
| Participant deferral / active EE | $2,209 | $3,871-42.9% | $5,060-56.4% | $4,299-48.6% |
| Admin fee / account holder | $3,826 | $6,717-43.0% | $8,388-54.4% | $6,924-44.7% |