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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 | $85,344 | $58,627+45.6% | $76,735+11.2% | $82,448+3.5% |
| Participation rate | 53.8% | 63.2%-9.4pp | 69.5%-15.7pp | 68.1%-14.2pp |
| Annual return | 13.47% | 39.10%-25.6pp | 29.77%-16.3pp | 41.64%-28.2pp |
| Employer contribution / active EE | $2,059 | $1,729+19.1% | $2,454-16.1% | $2,551-19.3% |
| Participant deferral / active EE | $2,397 | $3,134-23.5% | $4,088-41.4% | $4,139-42.1% |
| Admin fee / account holder | $9,997 | $5,323+87.8% | $7,189+39.1% | $7,234+38.2% |