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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 | $78,633 | $67,602+16.3% | $82,312-4.5% | $70,126+12.1% |
| Participation rate | 69.7% | 72.8%-3.1pp | 76.9%-7.2pp | 69.5%+0.2pp |
| Annual return | 14.88% | 21.57%-6.7pp | 25.88%-11.0pp | 73.15%-58.3pp |
| Employer contribution / active EE | $907 | $1,755-48.3% | $2,428-62.6% | $2,343-61.3% |
| Participant deferral / active EE | $2,552 | $2,987-14.6% | $3,706-31.1% | $3,332-23.4% |
| Admin fee / account holder | $882 | $4,512-80.4% | $5,608-84.3% | $4,645-81.0% |