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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 | $94,884 | $78,027+21.6% | $178,528-46.9% | $80,925+17.2% |
| Participation rate | 65.8% | 65.7%+0.1pp | 77.1%-11.3pp | 67.7%-1.9pp |
| Annual return | 12.30% | 18.09%-5.8pp | 27.11%-14.8pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,620 | $2,281-29.0% | $3,950-59.0% | $2,756-41.2% |
| Participant deferral / active EE | $2,356 | $4,408-46.5% | $6,278-62.5% | $4,299-45.2% |
| Admin fee / account holder | $6,761 | $7,168-5.7% | $10,419-35.1% | $6,940-2.6% |