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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 | $82,056 | $57,073+43.8% | $85,126-3.6% | $80,925+1.4% |
| Participation rate | 55.8% | 56.4%-0.6pp | 67.5%-11.7pp | 67.7%-11.8pp |
| Annual return | 13.71% | 21.69%-8.0pp | 66.63%-52.9pp | 35.65%-21.9pp |
| Employer contribution / active EE | $2,497 | $1,801+38.6% | $2,731-8.6% | $2,756-9.4% |
| Participant deferral / active EE | $5,537 | $3,113+77.9% | $4,523+22.4% | $4,299+28.8% |
| Admin fee / account holder | $3,800 | $4,988-23.8% | $6,160-38.3% | $6,940-45.2% |