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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 | $91,133 | $76,112+19.7% | $96,534-5.6% | $71,511+27.4% |
| Participation rate | 36.6% | 74.4%-37.8pp | 76.0%-39.4pp | 67.9%-31.3pp |
| Annual return | 18.06% | 22.81%-4.7pp | 25.88%-7.8pp | 28.86%-10.8pp |
| Employer contribution / active EE | $1,064 | $2,248-52.7% | $2,965-64.1% | $2,589-58.9% |
| Participant deferral / active EE | $2,130 | $4,217-49.5% | $4,851-56.1% | $4,291-50.4% |
| Admin fee / account holder | $3,817 | $2,708+40.9% | $8,253-53.7% | $1,588+140.3% |