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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 | $87,543 | $56,544+54.8% | $75,501+16.0% | $70,126+24.8% |
| Participation rate | 52.3% | 68.1%-15.8pp | 72.4%-20.1pp | 69.5%-17.3pp |
| Annual return | 14.80% | 23.59%-8.8pp | 27.35%-12.6pp | 73.15%-58.3pp |
| Employer contribution / active EE | $1,324 | $1,817-27.1% | $2,352-43.7% | $2,343-43.5% |
| Participant deferral / active EE | $3,183 | $2,580+23.4% | $3,142+1.3% | $3,332-4.5% |
| Admin fee / account holder | $10,888 | $3,827+184.5% | $5,801+87.7% | $4,645+134.4% |