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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 | $80,351 | $63,773+26.0% | $81,286-1.2% | $80,925-0.7% |
| Participation rate | 47.1% | 63.9%-16.9pp | 69.5%-22.5pp | 67.7%-20.6pp |
| Annual return | 13.22% | 16.37%-3.2pp | 24.80%-11.6pp | 35.65%-22.4pp |
| Employer contribution / active EE | $1,683 | $1,979-15.0% | $2,463-31.7% | $2,756-39.0% |
| Participant deferral / active EE | $5,408 | $3,093+74.8% | $3,883+39.3% | $4,299+25.8% |
| Admin fee / account holder | $1,187 | $5,682-79.1% | $5,764-79.4% | $6,940-82.9% |