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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 | $80,686 | $89,364-9.7% | $141,177-42.8% | $72,983+10.6% |
| Participation rate | 62.2% | 75.1%-13.0pp | 82.5%-20.3pp | 69.5%-7.3pp |
| Annual return | 19.70% | 111.86%-92.2pp | 71.40%-51.7pp | 81.01%-61.3pp |
| Employer contribution / active EE | $1,636 | $3,115-47.5% | $4,736-65.5% | $2,440-33.0% |
| Participant deferral / active EE | $4,216 | $5,419-22.2% | $6,710-37.2% | $3,608+16.9% |
| Admin fee / account holder | $3,007 | $5,959-49.5% | $10,263-70.7% | $5,124-41.3% |