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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 | $90,212 | $87,180+3.5% | $173,703-48.1% | $94,015-4.0% |
| Participation rate | 63.2% | 65.6%-2.5pp | 75.9%-12.7pp | 70.8%-7.7pp |
| Annual return | 11.62% | 14.17%-2.6pp | 17.46%-5.8pp | 17.84%-6.2pp |
| Employer contribution / active EE | $1,170 | $2,494-53.1% | $4,288-72.7% | $2,790-58.1% |
| Participant deferral / active EE | $3,682 | $3,343+10.1% | $4,854-24.1% | $4,249-13.4% |
| Admin fee / account holder | $2,640 | $7,506-64.8% | $15,562-83.0% | $8,951-70.5% |