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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 | $81,479 | $97,550-16.5% | $120,344-32.3% | $87,485-6.9% |
| Participation rate | 63.4% | 72.8%-9.4pp | 76.7%-13.3pp | 68.9%-5.6pp |
| Annual return | 17.99% | 18.41%-0.4pp | 20.30%-2.3pp | 26.06%-8.1pp |
| Employer contribution / active EE | $1,867 | $2,291-18.5% | $3,020-38.2% | $2,596-28.1% |
| Participant deferral / active EE | $4,730 | $4,230+11.8% | $5,135-7.9% | $4,274+10.7% |
| Admin fee / account holder | $1,308 | $9,543-86.3% | $12,742-89.7% | $7,775-83.2% |