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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 | $83,104 | $94,031-11.6% | $115,768-28.2% | $82,448+0.8% |
| Participation rate | 58.1% | 70.4%-12.4pp | 74.4%-16.3pp | 68.1%-10.0pp |
| Annual return | 17.03% | 20.61%-3.6pp | 100.46%-83.4pp | 41.64%-24.6pp |
| Employer contribution / active EE | $2,551 | $2,323+9.8% | $2,940-13.2% | $2,5510% |
| Participant deferral / active EE | $6,030 | $3,972+51.8% | $4,917+22.6% | $4,139+45.7% |
| Admin fee / account holder | $13,072 | $10,249+27.5% | $12,439+5.1% | $7,234+80.7% |