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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 | $75,440 | $81,334-7.2% | $113,397-33.5% | $64,097+17.7% |
| Participation rate | 66.9% | 65.6%+1.3pp | 76.5%-9.6pp | 55.2%+11.7pp |
| Annual return | 19.16% | 32.50%-13.3pp | 23.20%-4.0pp | 34.64%-15.5pp |
| Employer contribution / active EE | $1,090 | $2,077-47.5% | $2,977-63.4% | $1,891-42.4% |
| Participant deferral / active EE | $3,364 | $3,795-11.4% | $5,076-33.7% | $3,080+9.2% |
| Admin fee / account holder | $3,824 | $4,208-9.1% | $11,957-68.0% | $3,454+10.7% |