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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 | $87,696 | $115,931-24.4% | $185,441-52.7% | $86,983+0.8% |
| Participation rate | 69.4% | 73.6%-4.2pp | 80.3%-10.8pp | 69.5%-0.1pp |
| Annual return | 16.82% | 21.47%-4.6pp | 20.16%-3.3pp | 25.83%-9.0pp |
| Employer contribution / active EE | $2,273 | $2,937-22.6% | $4,672-51.3% | $2,584-12.0% |
| Participant deferral / active EE | $4,650 | $4,551+2.2% | $6,152-24.4% | $4,194+10.9% |
| Admin fee / account holder | $630 | $10,687-94.1% | $17,890-96.5% | $7,856-92.0% |