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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 | $90,828 | $80,992+12.1% | $96,534-5.9% | $75,173+20.8% |
| Participation rate | 59.5% | 71.8%-12.3pp | 76.0%-16.5pp | 67.2%-7.7pp |
| Annual return | 13.36% | 27.05%-13.7pp | 25.88%-12.5pp | 160.72%-147.4pp |
| Employer contribution / active EE | $3,573 | $2,283+56.5% | $2,965+20.5% | $2,671+33.8% |
| Participant deferral / active EE | $5,085 | $3,929+29.4% | $4,851+4.8% | $4,126+23.2% |
| Admin fee / account holder | $2,758 | $6,717-58.9% | $8,253-66.6% | $5,651-51.2% |