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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 | $81,608 | $97,550-16.3% | $120,344-32.2% | $87,485-6.7% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.7%-16.7pp | 68.9%-8.9pp |
| Annual return | 18.82% | 18.41%+0.4pp | 20.30%-1.5pp | 26.06%-7.2pp |
| Employer contribution / active EE | $1,343 | $2,291-41.4% | $3,020-55.5% | $2,596-48.3% |
| Participant deferral / active EE | $4,106 | $4,230-2.9% | $5,135-20.0% | $4,274-3.9% |
| Admin fee / account holder | $714 | $9,543-92.5% | $12,742-94.4% | $7,775-90.8% |