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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 | $90,439 | $91,179-0.8% | $178,499-49.3% | $79,852+13.3% |
| Participation rate | 53.8% | 69.2%-15.4pp | 81.9%-28.1pp | 69.6%-15.8pp |
| Annual return | 17.64% | 24.19%-6.5pp | 151.10%-133.5pp | 31.72%-14.1pp |
| Employer contribution / active EE | $2,724 | $3,256-16.3% | $5,011-45.6% | $2,471+10.2% |
| Participant deferral / active EE | $7,801 | $3,236+141.1% | $5,202+50.0% | $3,740+108.6% |
| Admin fee / account holder | $6,415 | $6,749-4.9% | $13,986-54.1% | $5,306+20.9% |