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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 | $97,427 | $115,931-16.0% | $185,441-47.5% | $86,983+12.0% |
| Participation rate | 64.0% | 73.6%-9.6pp | 80.3%-16.3pp | 69.5%-5.5pp |
| Annual return | 16.32% | 21.47%-5.1pp | 20.16%-3.8pp | 25.83%-9.5pp |
| Employer contribution / active EE | $1,642 | $2,937-44.1% | $4,672-64.9% | $2,584-36.5% |
| Participant deferral / active EE | $6,568 | $4,551+44.3% | $6,152+6.8% | $4,194+56.6% |
| Admin fee / account holder | $6,364 | $10,687-40.5% | $17,890-64.4% | $7,856-19.0% |