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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 | $79,818 | $76,834+3.9% | $108,359-26.3% | $87,485-8.8% |
| Participation rate | 57.6% | 61.7%-4.2pp | 70.1%-12.5pp | 68.9%-11.4pp |
| Annual return | 16.34% | 19.09%-2.8pp | 36.89%-20.6pp | 26.06%-9.7pp |
| Employer contribution / active EE | $1,061 | $1,556-31.8% | $2,399-55.8% | $2,596-59.1% |
| Participant deferral / active EE | $4,547 | $3,100+46.7% | $4,137+9.9% | $4,274+6.4% |
| Admin fee / account holder | $7,621 | $6,537+16.6% | $9,741-21.8% | $7,775-2.0% |