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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 | $82,691 | $91,198-9.3% | $178,503-53.7% | $79,856+3.5% |
| Participation rate | 66.7% | 69.2%-2.5pp | 81.9%-15.3pp | 69.6%-3.0pp |
| Annual return | 13.49% | 24.20%-10.7pp | 151.12%-137.6pp | 31.71%-18.2pp |
| Employer contribution / active EE | $1,258 | $3,257-61.4% | $5,011-74.9% | $2,471-49.1% |
| Participant deferral / active EE | $3,866 | $3,237+19.5% | $5,202-25.7% | $3,741+3.4% |
| Admin fee / account holder | $9,918 | $6,748+47.0% | $13,987-29.1% | $5,306+86.9% |