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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 | $85,440 | $87,834-2.7% | $133,975-36.2% | $62,881+35.9% |
| Participation rate | 68.0% | 83.4%-15.4pp | 87.1%-19.1pp | 69.3%-1.3pp |
| Annual return | 5.94% | 12.05%-6.1pp | 29.29%-23.4pp | 20.14%-14.2pp |
| Employer contribution / active EE | $4,231 | $3,482+21.5% | $5,211-18.8% | $2,281+85.5% |
| Participant deferral / active EE | $8,329 | $4,812+73.1% | $6,282+32.6% | $3,203+160.0% |
| Admin fee / account holder | $7,216 | $5,372+34.3% | $9,324-22.6% | $4,296+68.0% |