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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 | $91,986 | $78,027+17.9% | $178,528-48.5% | $80,925+13.7% |
| Participation rate | 62.7% | 65.7%-3.0pp | 77.1%-14.4pp | 67.7%-5.0pp |
| Annual return | 13.37% | 18.09%-4.7pp | 27.11%-13.7pp | 35.65%-22.3pp |
| Employer contribution / active EE | $1,229 | $2,281-46.1% | $3,950-68.9% | $2,756-55.4% |
| Participant deferral / active EE | $4,618 | $4,408+4.8% | $6,278-26.5% | $4,299+7.4% |
| Admin fee / account holder | $1,329 | $7,168-81.5% | $10,419-87.2% | $6,940-80.8% |