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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 | $68,143 | $87,834-22.4% | $133,975-49.1% | $62,881+8.4% |
| Participation rate | 65.6% | 83.4%-17.8pp | 87.1%-21.4pp | 69.3%-3.7pp |
| Annual return | 8.06% | 12.05%-4.0pp | 29.29%-21.2pp | 20.14%-12.1pp |
| Employer contribution / active EE | $1,948 | $3,482-44.1% | $5,211-62.6% | $2,281-14.6% |
| Participant deferral / active EE | $5,408 | $4,812+12.4% | $6,282-13.9% | $3,203+68.8% |
| Admin fee / account holder | $3,125 | $5,372-41.8% | $9,324-66.5% | $4,296-27.3% |