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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 | $81,609 | $58,851+38.7% | $115,167-29.1% | $72,976+11.8% |
| Participation rate | 60.3% | 65.5%-5.2pp | 75.9%-15.6pp | 69.5%-9.1pp |
| Annual return | 18.01% | 23.16%-5.2pp | 35.60%-17.6pp | 81.02%-63.0pp |
| Employer contribution / active EE | $1,889 | $1,798+5.1% | $3,179-40.6% | $2,440-22.6% |
| Participant deferral / active EE | $2,405 | $2,643-9.0% | $4,169-42.3% | $3,608-33.3% |
| Admin fee / account holder | $1,039 | $6,370-83.7% | $7,089-85.3% | $5,124-79.7% |