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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 | $119,815 | $80,983+48.0% | $96,544+24.1% | $75,177+59.4% |
| Participation rate | 68.9% | 71.8%-2.9pp | 76.0%-7.1pp | 67.2%+1.7pp |
| Annual return | 18.33% | 27.05%-8.7pp | 25.88%-7.6pp | 160.75%-142.4pp |
| Employer contribution / active EE | $1,049 | $2,282-54.0% | $2,966-64.6% | $2,671-60.7% |
| Participant deferral / active EE | $2,947 | $3,929-25.0% | $4,851-39.3% | $4,126-28.6% |
| Admin fee / account holder | $746 | $6,717-88.9% | $8,254-91.0% | $5,651-86.8% |