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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 | $75,919 | $76,112-0.3% | $96,544-21.4% | $71,529+6.1% |
| Participation rate | 42.3% | 74.4%-32.1pp | 76.0%-33.7pp | 67.9%-25.7pp |
| Annual return | 20.10% | 22.80%-2.7pp | 25.88%-5.8pp | 28.97%-8.9pp |
| Employer contribution / active EE | $1,351 | $2,248-39.9% | $2,966-54.5% | $2,590-47.8% |
| Participant deferral / active EE | $2,202 | $4,217-47.8% | $4,851-54.6% | $4,291-48.7% |
| Admin fee / account holder | $3,636 | $2,708+34.2% | $8,254-56.0% | $1,588+128.9% |