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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 | $108,825-14.2% | $156,181-40.2% | $82,448+13.3% |
| Participation rate | 65.8% | 72.4%-6.5pp | 78.8%-13.0pp | 68.1%-2.2pp |
| Annual return | 16.65% | 20.59%-3.9pp | 64.87%-48.2pp | 41.64%-25.0pp |
| Employer contribution / active EE | $854 | $2,870-70.2% | $4,294-80.1% | $2,551-66.5% |
| Participant deferral / active EE | $2,544 | $4,577-44.4% | $6,132-58.5% | $4,139-38.5% |
| Admin fee / account holder | $7,423 | $9,341-20.5% | $14,586-49.1% | $7,234+2.6% |