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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 | $80,142 | $111,814-28.3% | $103,378-22.5% | $145,978-45.1% |
| Participation rate | 59.1% | 77.9%-18.8pp | 74.5%-15.4pp | 80.3%-21.2pp |
| Annual return | 14.03% | 24.80%-10.8pp | 24.91%-10.9pp | 550.52%-536.5pp |
| Employer contribution / active EE | $2,327 | $4,215-44.8% | $3,870-39.9% | $4,662-50.1% |
| Participant deferral / active EE | $5,991 | $5,618+6.6% | $5,058+18.5% | $6,690-10.4% |
| Admin fee / account holder | $8,074 | $9,764-17.3% | $8,401-3.9% | $13,400-39.7% |