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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 | $96,222 | $76,367+26.0% | $93,609+2.8% | $72,986+31.8% |
| Participation rate | 63.0% | 71.7%-8.8pp | 75.8%-12.9pp | 69.5%-6.5pp |
| Annual return | 20.15% | 25.82%-5.7pp | 32.76%-12.6pp | 81.01%-60.9pp |
| Employer contribution / active EE | $2,066 | $2,275-9.2% | $2,718-24.0% | $2,440-15.3% |
| Participant deferral / active EE | $3,332 | $3,538-5.8% | $4,069-18.1% | $3,607-7.6% |
| Admin fee / account holder | $1,789 | $6,838-73.8% | $7,889-77.3% | $5,124-65.1% |