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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 | $74,482 | $81,334-8.4% | $113,397-34.3% | $64,097+16.2% |
| Participation rate | 68.3% | 65.6%+2.6pp | 76.5%-8.2pp | 55.2%+13.1pp |
| Annual return | 18.06% | 32.50%-14.4pp | 23.20%-5.1pp | 34.64%-16.6pp |
| Employer contribution / active EE | $1,895 | $2,077-8.8% | $2,977-36.4% | $1,891+0.2% |
| Participant deferral / active EE | $3,422 | $3,795-9.8% | $5,076-32.6% | $3,080+11.1% |
| Admin fee / account holder | $941 | $4,208-77.6% | $11,957-92.1% | $3,454-72.8% |