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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 | $57,061+43.8% | $85,063-3.5% | $80,911+1.4% |
| Participation rate | 55.8% | 56.3%-0.5pp | 67.5%-11.7pp | 67.6%-11.8pp |
| Annual return | 13.71% | 21.66%-8.0pp | 66.54%-52.8pp | 35.63%-21.9pp |
| Employer contribution / active EE | $2,497 | $1,799+38.8% | $2,727-8.5% | $2,756-9.4% |
| Participant deferral / active EE | $5,537 | $3,110+78.0% | $4,523+22.4% | $4,297+28.9% |
| Admin fee / account holder | $3,800 | $4,986-23.8% | $6,155-38.3% | $6,935-45.2% |