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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 | $92,819 | $80,983+14.6% | $96,544-3.9% | $75,177+23.5% |
| Participation rate | 56.8% | 71.8%-15.0pp | 76.0%-19.2pp | 67.2%-10.4pp |
| Annual return | 15.22% | 27.05%-11.8pp | 25.88%-10.7pp | 160.75%-145.5pp |
| Employer contribution / active EE | $1,905 | $2,282-16.5% | $2,966-35.8% | $2,671-28.7% |
| Participant deferral / active EE | $3,429 | $3,929-12.7% | $4,851-29.3% | $4,126-16.9% |
| Admin fee / account holder | $2,057 | $6,717-69.4% | $8,254-75.1% | $5,651-63.6% |