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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 | $78,238 | $80,992-3.4% | $96,534-19.0% | $75,173+4.1% |
| Participation rate | 40.0% | 71.8%-31.8pp | 76.0%-36.0pp | 67.2%-27.2pp |
| Annual return | 26.07% | 27.05%-1.0pp | 25.88%+0.2pp | 160.72%-134.7pp |
| Employer contribution / active EE | $1,655 | $2,283-27.5% | $2,965-44.2% | $2,671-38.0% |
| Participant deferral / active EE | $3,855 | $3,929-1.9% | $4,851-20.5% | $4,126-6.6% |
| Admin fee / account holder | $3,422 | $6,717-49.1% | $8,253-58.5% | $5,651-39.4% |