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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 | $86,453 | $101,795-15.1% | $165,100-47.6% | $80,959+6.8% |
| Participation rate | 69.0% | 71.8%-2.9pp | 78.6%-9.7pp | 67.7%+1.3pp |
| Annual return | 14.96% | 16.73%-1.8pp | 70.21%-55.2pp | 35.67%-20.7pp |
| Employer contribution / active EE | $1,356 | $2,954-54.1% | $4,348-68.8% | $2,757-50.8% |
| Participant deferral / active EE | $4,700 | $4,476+5.0% | $6,035-22.1% | $4,300+9.3% |
| Admin fee / account holder | $2,562 | $8,221-68.8% | $12,696-79.8% | $6,925-63.0% |