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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 | $83,660 | $81,504+2.6% | $102,437-18.3% | $80,959+3.3% |
| Participation rate | 58.0% | 66.9%-8.9pp | 74.5%-16.5pp | 67.7%-9.7pp |
| Annual return | 20.22% | 25.60%-5.4pp | 24.95%-4.7pp | 35.67%-15.5pp |
| Employer contribution / active EE | $1,196 | $3,104-61.5% | $3,871-69.1% | $2,757-56.6% |
| Participant deferral / active EE | $3,018 | $3,871-22.0% | $5,060-40.4% | $4,300-29.8% |
| Admin fee / account holder | $2,926 | $6,719-56.5% | $8,388-65.1% | $6,925-57.8% |