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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 | $97,408 | $101,798-4.3% | $165,071-41.0% | $80,935+20.4% |
| Participation rate | 68.6% | 71.8%-3.2pp | 78.6%-10.0pp | 67.7%+1.0pp |
| Annual return | 13.56% | 16.73%-3.2pp | 70.17%-56.6pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,761 | $2,954-40.4% | $4,347-59.5% | $2,757-36.1% |
| Participant deferral / active EE | $3,578 | $4,476-20.1% | $6,035-40.7% | $4,299-16.8% |
| Admin fee / account holder | $491 | $8,221-94.0% | $12,695-96.1% | $6,924-92.9% |