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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 | $85,002 | $86,949-2.2% | $102,460-17.0% | $80,959+5.0% |
| Participation rate | 41.6% | 72.4%-30.8pp | 76.5%-34.9pp | 67.7%-26.1pp |
| Annual return | 10.70% | 18.89%-8.2pp | 29.47%-18.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $1,124 | $2,370-52.6% | $3,025-62.9% | $2,757-59.2% |
| Participant deferral / active EE | $4,026 | $4,121-2.3% | $5,056-20.4% | $4,300-6.4% |
| Admin fee / account holder | $6,264 | $8,048-22.2% | $9,460-33.8% | $6,925-9.6% |