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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 | $81,391 | $78,425+3.8% | $95,956-15.2% | $79,858+1.9% |
| Participation rate | 56.6% | 73.5%-16.9pp | 77.1%-20.5pp | 69.6%-13.0pp |
| Annual return | 15.49% | 19.37%-3.9pp | 91.63%-76.1pp | 31.72%-16.2pp |
| Employer contribution / active EE | $1,572 | $1,945-19.2% | $2,541-38.1% | $2,471-36.4% |
| Participant deferral / active EE | $3,149 | $3,440-8.5% | $4,167-24.4% | $3,740-15.8% |
| Admin fee / account holder | $3,611 | $5,622-35.8% | $6,797-46.9% | $5,306-31.9% |