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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 | $82,574 | $97,550-15.4% | $120,344-31.4% | $87,485-5.6% |
| Participation rate | 64.4% | 72.8%-8.4pp | 76.7%-12.3pp | 68.9%-4.5pp |
| Annual return | 21.55% | 18.41%+3.1pp | 20.30%+1.2pp | 26.06%-4.5pp |
| Employer contribution / active EE | $968 | $2,291-57.8% | $3,020-68.0% | $2,596-62.7% |
| Participant deferral / active EE | $5,301 | $4,230+25.3% | $5,135+3.2% | $4,274+24.0% |
| Admin fee / account holder | $5,949 | $9,543-37.7% | $12,742-53.3% | $7,775-23.5% |