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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 | $92,397 | $95,904-3.7% | $173,730-46.8% | $64,340+43.6% |
| Participation rate | 54.4% | 60.6%-6.2pp | 79.6%-25.1pp | 55.2%-0.8pp |
| Annual return | 17.17% | 17.47%-0.3pp | 19.96%-2.8pp | 24.14%-7.0pp |
| Employer contribution / active EE | $858 | $2,323-63.1% | $4,577-81.3% | $1,862-53.9% |
| Participant deferral / active EE | $2,985 | $3,488-14.4% | $6,326-52.8% | $2,980+0.2% |
| Admin fee / account holder | $5,077 | $5,089-0.2% | $17,523-71.0% | $3,703+37.1% |