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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 | $92,594 | $73,978+25.2% | $96,515-4.1% | $75,173+23.2% |
| Participation rate | 44.4% | 66.4%-22.0pp | 74.3%-29.9pp | 67.2%-22.8pp |
| Annual return | 17.90% | 26.72%-8.8pp | 35.73%-17.8pp | 160.72%-142.8pp |
| Employer contribution / active EE | $2,283 | $2,931-22.1% | $3,740-38.9% | $2,671-14.5% |
| Participant deferral / active EE | $3,103 | $3,660-15.2% | $4,880-36.4% | $4,126-24.8% |
| Admin fee / account holder | $3,794 | $5,219-27.3% | $6,735-43.7% | $5,651-32.9% |