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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 | $84,414 | $87,132-3.1% | $105,624-20.1% | $80,959+4.3% |
| Participation rate | 66.7% | 70.4%-3.8pp | 75.3%-8.6pp | 67.7%-1.0pp |
| Annual return | 18.34% | 17.03%+1.3pp | 116.20%-97.9pp | 35.67%-17.3pp |
| Employer contribution / active EE | $2,712 | $2,397+13.1% | $3,168-14.4% | $2,757-1.7% |
| Participant deferral / active EE | $7,889 | $3,985+98.0% | $5,013+57.4% | $4,300+83.5% |
| Admin fee / account holder | $738 | $8,449-91.3% | $10,961-93.3% | $6,925-89.3% |