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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 | $85,188 | $63,845+33.4% | $81,370+4.7% | $80,959+5.2% |
| Participation rate | 52.7% | 63.9%-11.2pp | 69.5%-16.9pp | 67.7%-15.0pp |
| Annual return | 11.00% | 16.37%-5.4pp | 24.85%-13.8pp | 35.67%-24.7pp |
| Employer contribution / active EE | $879 | $1,980-55.6% | $2,464-64.3% | $2,757-68.1% |
| Participant deferral / active EE | $2,825 | $3,093-8.6% | $3,885-27.3% | $4,300-34.3% |
| Admin fee / account holder | $6,149 | $5,688+8.1% | $5,749+7.0% | $6,925-11.2% |