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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 | $83,098 | $101,795-18.4% | $165,100-49.7% | $80,959+2.6% |
| Participation rate | 51.7% | 71.8%-20.2pp | 78.6%-27.0pp | 67.7%-16.0pp |
| Annual return | 14.73% | 16.73%-2.0pp | 70.21%-55.5pp | 35.67%-20.9pp |
| Employer contribution / active EE | $878 | $2,954-70.3% | $4,348-79.8% | $2,757-68.2% |
| Participant deferral / active EE | $5,082 | $4,476+13.5% | $6,035-15.8% | $4,300+18.2% |
| Admin fee / account holder | $12,031 | $8,221+46.3% | $12,696-5.2% | $6,925+73.7% |