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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 | $84,009 | $79,867+5.2% | $120,344-30.2% | $64,340+30.6% |
| Participation rate | 58.9% | 63.0%-4.1pp | 76.7%-17.8pp | 55.2%+3.6pp |
| Annual return | 21.51% | 21.10%+0.4pp | 20.30%+1.2pp | 24.14%-2.6pp |
| Employer contribution / active EE | $850 | $1,925-55.8% | $3,020-71.8% | $1,862-54.3% |
| Participant deferral / active EE | $3,350 | $3,593-6.8% | $5,135-34.8% | $2,980+12.4% |
| Admin fee / account holder | $13,502 | $5,039+167.9% | $12,742+6.0% | $3,703+264.7% |