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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 | $82,119 | $81,334+1.0% | $113,397-27.6% | $64,097+28.1% |
| Participation rate | 69.2% | 65.6%+3.5pp | 76.5%-7.3pp | 55.2%+14.0pp |
| Annual return | 15.75% | 32.50%-16.8pp | 23.20%-7.5pp | 34.64%-18.9pp |
| Employer contribution / active EE | $986 | $2,077-52.5% | $2,977-66.9% | $1,891-47.9% |
| Participant deferral / active EE | $3,399 | $3,795-10.4% | $5,076-33.0% | $3,080+10.4% |
| Admin fee / account holder | $15,669 | $4,208+272.4% | $11,957+31.0% | $3,454+353.6% |