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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 | $86,553 | $90,486-4.3% | $78,676+10.0% | $273,972-68.4% |
| Participation rate | 53.8% | 76.5%-22.7pp | 73.6%-19.7pp | 83.0%-29.2pp |
| Annual return | 8.12% | 75.62%-67.5pp | 62.19%-54.1pp | 41.46%-33.3pp |
| Employer contribution / active EE | $3,251 | $3,175+2.4% | $2,850+14.1% | $4,869-33.2% |
| Participant deferral / active EE | $5,129 | $3,901+31.5% | $3,517+45.8% | $5,287-3.0% |
| Admin fee / account holder | $1,820 | $5,263-65.4% | $4,510-59.6% | $10,133-82.0% |