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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 | $85,116 | $81,487+4.5% | $102,412-16.9% | $80,935+5.2% |
| Participation rate | 33.0% | 66.8%-33.9pp | 74.5%-41.5pp | 67.7%-34.7pp |
| Annual return | 18.98% | 25.60%-6.6pp | 24.94%-6.0pp | 35.66%-16.7pp |
| Employer contribution / active EE | $2,183 | $3,103-29.6% | $3,870-43.6% | $2,757-20.8% |
| Participant deferral / active EE | $4,953 | $3,871+28.0% | $5,060-2.1% | $4,299+15.2% |
| Admin fee / account holder | $604 | $6,717-91.0% | $8,388-92.8% | $6,924-91.3% |