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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 | $86,704 | $106,749-18.8% | $145,433-40.4% | $82,448+5.2% |
| Participation rate | 52.0% | 75.6%-23.6pp | 82.1%-30.1pp | 68.1%-16.0pp |
| Annual return | 16.41% | 27.59%-11.2pp | 66.58%-50.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,596 | $3,444-53.7% | $4,554-65.0% | $2,551-37.4% |
| Participant deferral / active EE | $5,752 | $6,519-11.8% | $7,897-27.2% | $4,139+39.0% |
| Admin fee / account holder | $7,000 | $8,390-16.6% | $13,129-46.7% | $7,234-3.2% |