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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 | $78,497 | $87,106-9.9% | $105,607-25.7% | $80,935-3.0% |
| Participation rate | 65.6% | 70.4%-4.8pp | 75.3%-9.6pp | 67.7%-2.0pp |
| Annual return | 11.15% | 17.01%-5.9pp | 116.11%-105.0pp | 35.66%-24.5pp |
| Employer contribution / active EE | $2,093 | $2,396-12.7% | $3,167-33.9% | $2,757-24.1% |
| Participant deferral / active EE | $4,405 | $3,986+10.5% | $5,011-12.1% | $4,299+2.4% |
| Admin fee / account holder | $494 | $8,447-94.1% | $10,958-95.5% | $6,924-92.9% |