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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 | $88,051 | $65,246+35.0% | $98,716-10.8% | $67,986+29.5% |
| Participation rate | 54.1% | 51.4%+2.6pp | 69.3%-15.2pp | 57.2%-3.2pp |
| Annual return | 16.90% | 20.58%-3.7pp | 31.81%-14.9pp | 31.67%-14.8pp |
| Employer contribution / active EE | $1,890 | $1,042+81.3% | $2,279-17.1% | $2,019-6.4% |
| Participant deferral / active EE | $4,551 | $2,594+75.4% | $4,048+12.4% | $3,358+35.5% |
| Admin fee / account holder | $1,957 | $4,561-57.1% | $8,703-77.5% | $3,203-38.9% |