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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 | $89,638 | $72,486+23.7% | $87,103+2.9% | $72,976+22.8% |
| Participation rate | 64.7% | 72.8%-8.1pp | 76.9%-12.2pp | 69.5%-4.8pp |
| Annual return | 20.20% | 24.46%-4.3pp | 28.19%-8.0pp | 81.02%-60.8pp |
| Employer contribution / active EE | $1,450 | $1,894-23.5% | $2,521-42.5% | $2,440-40.6% |
| Participant deferral / active EE | $2,549 | $3,270-22.1% | $4,049-37.1% | $3,608-29.4% |
| Admin fee / account holder | $2,141 | $5,055-57.6% | $7,491-71.4% | $5,124-58.2% |