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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 | $82,183 | $81,504+0.8% | $102,437-19.8% | $80,959+1.5% |
| Participation rate | 36.7% | 66.9%-30.1pp | 74.5%-37.8pp | 67.7%-30.9pp |
| Annual return | 19.96% | 25.60%-5.6pp | 24.95%-5.0pp | 35.67%-15.7pp |
| Employer contribution / active EE | $832 | $3,104-73.2% | $3,871-78.5% | $2,757-69.8% |
| Participant deferral / active EE | $2,544 | $3,871-34.3% | $5,060-49.7% | $4,300-40.9% |
| Admin fee / account holder | $1,098 | $6,719-83.7% | $8,388-86.9% | $6,925-84.2% |