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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 | $90,953 | $91,559-0.7% | $133,978-32.1% | $79,856+13.9% |
| Participation rate | 57.1% | 73.3%-16.2pp | 79.8%-22.7pp | 69.6%-12.5pp |
| Annual return | 12.94% | 61.85%-48.9pp | 45.10%-32.2pp | 31.71%-18.8pp |
| Employer contribution / active EE | $1,293 | $2,384-45.8% | $3,919-67.0% | $2,471-47.7% |
| Participant deferral / active EE | $2,328 | $3,734-37.7% | $5,047-53.9% | $3,741-37.8% |
| Admin fee / account holder | $3,884 | $6,321-38.5% | $8,930-56.5% | $5,306-26.8% |