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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 | $89,956 | $95,453-5.8% | $112,040-19.7% | $82,448+9.1% |
| Participation rate | 52.8% | 72.8%-20.0pp | 76.5%-23.7pp | 68.1%-15.3pp |
| Annual return | 16.95% | 23.92%-7.0pp | 24.52%-7.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,588 | $2,318-31.5% | $2,954-46.2% | $2,551-37.7% |
| Participant deferral / active EE | $3,963 | $4,224-6.2% | $5,098-22.3% | $4,139-4.3% |
| Admin fee / account holder | $4,788 | $9,013-46.9% | $12,098-60.4% | $7,234-33.8% |