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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 | $88,133 | $80,332+9.7% | $107,187-17.8% | $64,097+37.5% |
| Participation rate | 38.2% | 54.4%-16.2pp | 75.0%-36.8pp | 55.2%-17.0pp |
| Annual return | 15.62% | 24.26%-8.6pp | 204.55%-188.9pp | 34.64%-19.0pp |
| Employer contribution / active EE | $1,655 | $2,501-33.8% | $3,782-56.2% | $1,891-12.5% |
| Participant deferral / active EE | $3,867 | $3,109+24.4% | $5,096-24.1% | $3,080+25.6% |
| Admin fee / account holder | $4,188 | $4,314-2.9% | $9,162-54.3% | $3,454+21.2% |