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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 | $93,387 | $110,137-15.2% | $161,149-42.0% | $82,637+13.0% |
| Participation rate | 65.8% | 72.4%-6.5pp | 78.8%-13.0pp | 68.1%-2.2pp |
| Annual return | 16.65% | 20.69%-4.0pp | 21.16%-4.5pp | 53.51%-36.9pp |
| Employer contribution / active EE | $854 | $2,856-70.1% | $4,360-80.4% | $2,552-66.5% |
| Participant deferral / active EE | $2,544 | $4,575-44.4% | $6,153-58.7% | $4,126-38.3% |
| Admin fee / account holder | $7,423 | $9,467-21.6% | $15,194-51.1% | $7,339+1.2% |