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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 | $86,701 | $106,749-18.8% | $145,433-40.4% | $82,448+5.2% |
| Participation rate | 57.0% | 75.6%-18.7pp | 82.1%-25.1pp | 68.1%-11.1pp |
| Annual return | 16.87% | 27.59%-10.7pp | 66.58%-49.7pp | 41.64%-24.8pp |
| Employer contribution / active EE | $2,082 | $3,444-39.6% | $4,554-54.3% | $2,551-18.4% |
| Participant deferral / active EE | $4,219 | $6,519-35.3% | $7,897-46.6% | $4,139+1.9% |
| Admin fee / account holder | $11,223 | $8,390+33.8% | $13,129-14.5% | $7,234+55.1% |