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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 | $68,520 | $57,828+18.5% | $117,039-41.5% | $70,126-2.3% |
| Participation rate | 58.3% | 67.1%-8.8pp | 77.2%-18.9pp | 69.5%-11.2pp |
| Annual return | 12.17% | 17.55%-5.4pp | 18.95%-6.8pp | 73.15%-61.0pp |
| Employer contribution / active EE | $1,931 | $1,816+6.4% | $3,785-49.0% | $2,343-17.6% |
| Participant deferral / active EE | $2,285 | $2,438-6.3% | $3,929-41.9% | $3,332-31.4% |
| Admin fee / account holder | $3,259 | $3,548-8.1% | $5,974-45.4% | $4,645-29.8% |