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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 | $87,039 | $81,331+7.0% | $155,534-44.0% | $80,935+7.5% |
| Participation rate | 63.9% | 66.3%-2.3pp | 78.2%-14.3pp | 67.7%-3.7pp |
| Annual return | 14.10% | 33.37%-19.3pp | 64.92%-50.8pp | 35.66%-21.6pp |
| Employer contribution / active EE | $2,235 | $3,105-28.0% | $4,675-52.2% | $2,757-18.9% |
| Participant deferral / active EE | $3,846 | $3,454+11.3% | $5,630-31.7% | $4,299-10.6% |
| Admin fee / account holder | $5,113 | $7,999-36.1% | $15,900-67.8% | $6,924-26.2% |