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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 | $96,560 | $78,015+23.8% | $178,505-45.9% | $80,959+19.3% |
| Participation rate | 60.7% | 65.7%-5.0pp | 77.1%-16.4pp | 67.7%-7.0pp |
| Annual return | 16.25% | 18.10%-1.9pp | 27.16%-10.9pp | 35.67%-19.4pp |
| Employer contribution / active EE | $2,436 | $2,281+6.8% | $3,955-38.4% | $2,757-11.6% |
| Participant deferral / active EE | $5,543 | $4,406+25.8% | $6,280-11.7% | $4,300+28.9% |
| Admin fee / account holder | $786 | $7,160-89.0% | $10,428-92.5% | $6,925-88.7% |