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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 | $80,875 | $76,834+5.3% | $108,359-25.4% | $87,485-7.6% |
| Participation rate | 67.1% | 61.7%+5.3pp | 70.1%-3.1pp | 68.9%-1.9pp |
| Annual return | 12.42% | 19.09%-6.7pp | 36.89%-24.5pp | 26.06%-13.6pp |
| Employer contribution / active EE | $786 | $1,556-49.5% | $2,399-67.3% | $2,596-69.7% |
| Participant deferral / active EE | $3,796 | $3,100+22.5% | $4,137-8.2% | $4,274-11.2% |
| Admin fee / account holder | $8,759 | $6,537+34.0% | $9,741-10.1% | $7,775+12.7% |