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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 | $90,861 | $88,672+2.5% | $105,223-13.6% | $82,448+10.2% |
| Participation rate | 51.9% | 67.9%-16.1pp | 75.0%-23.2pp | 68.1%-16.2pp |
| Annual return | 16.30% | 30.86%-14.6pp | 180.65%-164.3pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,565 | $3,048-48.7% | $3,689-57.6% | $2,551-38.7% |
| Participant deferral / active EE | $4,646 | $4,036+15.1% | $5,072-8.4% | $4,139+12.2% |
| Admin fee / account holder | $4,186 | $7,146-41.4% | $8,859-52.7% | $7,234-42.1% |