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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 | $81,276+5.5% | $155,574-44.9% | $80,925+5.9% |
| Participation rate | 53.3% | 66.2%-12.9pp | 78.2%-24.9pp | 67.7%-14.3pp |
| Annual return | 14.60% | 33.36%-18.8pp | 64.87%-50.3pp | 35.65%-21.0pp |
| Employer contribution / active EE | $1,584 | $3,103-49.0% | $4,676-66.1% | $2,756-42.5% |
| Participant deferral / active EE | $4,595 | $3,453+33.1% | $5,629-18.4% | $4,299+6.9% |
| Admin fee / account holder | $5,983 | $7,993-25.1% | $15,914-62.4% | $6,940-13.8% |