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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 | $92,903 | $69,444+33.8% | $92,985-0.1% | $87,485+6.2% |
| Participation rate | 45.7% | 63.3%-17.6pp | 69.5%-23.8pp | 68.9%-23.2pp |
| Annual return | 15.70% | 23.85%-8.2pp | 27.99%-12.3pp | 26.06%-10.4pp |
| Employer contribution / active EE | $705 | $1,917-63.2% | $2,662-73.5% | $2,596-72.9% |
| Participant deferral / active EE | $2,244 | $3,364-33.3% | $4,377-48.7% | $4,274-47.5% |
| Admin fee / account holder | $6,100 | $6,137-0.6% | $9,463-35.5% | $7,775-21.5% |