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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 | $85,724 | $81,358+5.4% | $155,556-44.9% | $80,959+5.9% |
| Participation rate | 53.3% | 66.3%-12.9pp | 78.2%-24.9pp | 67.7%-14.3pp |
| Annual return | 14.60% | 33.39%-18.8pp | 64.84%-50.2pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,584 | $3,106-49.0% | $4,675-66.1% | $2,757-42.6% |
| Participant deferral / active EE | $4,595 | $3,455+33.0% | $5,631-18.4% | $4,300+6.9% |
| Admin fee / account holder | $5,983 | $7,994-25.2% | $15,885-62.3% | $6,925-13.6% |