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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 | $57,140+43.6% | $85,240-3.7% | $80,959+1.4% |
| Participation rate | 55.8% | 56.4%-0.6pp | 67.5%-11.7pp | 67.7%-11.9pp |
| Annual return | 13.71% | 21.71%-8.0pp | 66.75%-53.0pp | 35.67%-22.0pp |
| Employer contribution / active EE | $2,497 | $1,802+38.5% | $2,735-8.7% | $2,757-9.5% |
| Participant deferral / active EE | $5,537 | $3,115+77.8% | $4,527+22.3% | $4,300+28.8% |
| Admin fee / account holder | $3,800 | $4,992-23.9% | $6,165-38.4% | $6,925-45.1% |