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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 | $82,672 | $80,985+2.1% | $96,576-14.4% | $75,181+10.0% |
| Participation rate | 43.2% | 71.8%-28.6pp | 76.0%-32.8pp | 67.2%-24.0pp |
| Annual return | 20.34% | 27.05%-6.7pp | 25.87%-5.5pp | 160.69%-140.3pp |
| Employer contribution / active EE | $1,645 | $2,282-27.9% | $2,965-44.5% | $2,671-38.4% |
| Participant deferral / active EE | $2,845 | $3,929-27.6% | $4,851-41.4% | $4,126-31.0% |
| Admin fee / account holder | $3,490 | $6,719-48.1% | $8,253-57.7% | $5,650-38.2% |