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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 | $76,057 | $86,891-12.5% | $142,516-46.6% | $75,177+1.2% |
| Participation rate | 58.8% | 68.5%-9.7pp | 76.8%-17.9pp | 67.2%-8.4pp |
| Annual return | 20.68% | 23.31%-2.6pp | 20.03%+0.6pp | 160.75%-140.1pp |
| Employer contribution / active EE | $2,780 | $3,355-17.2% | $4,849-42.7% | $2,671+4.1% |
| Participant deferral / active EE | $3,314 | $4,938-32.9% | $6,280-47.2% | $4,126-19.7% |
| Admin fee / account holder | $3,908 | $7,299-46.5% | $10,008-61.0% | $5,651-30.9% |