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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 | $94,776 | $76,367+24.1% | $93,609+1.2% | $72,986+29.9% |
| Participation rate | 57.9% | 71.7%-13.9pp | 75.8%-17.9pp | 69.5%-11.6pp |
| Annual return | 18.10% | 25.82%-7.7pp | 32.76%-14.7pp | 81.01%-62.9pp |
| Employer contribution / active EE | $484 | $2,275-78.7% | $2,718-82.2% | $2,440-80.2% |
| Participant deferral / active EE | $3,776 | $3,538+6.7% | $4,069-7.2% | $3,607+4.7% |
| Admin fee / account holder | $8,811 | $6,838+28.8% | $7,889+11.7% | $5,124+71.9% |