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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 | $88,139 | $117,904-25.2% | $102,457-14.0% | $145,978-39.6% |
| Participation rate | 62.5% | 78.6%-16.1pp | 76.5%-14.0pp | 80.3%-17.8pp |
| Annual return | 11.52% | 31.80%-20.3pp | 29.41%-17.9pp | 550.52%-539.0pp |
| Employer contribution / active EE | $2,205 | $3,613-39.0% | $3,022-27.0% | $4,662-52.7% |
| Participant deferral / active EE | $7,024 | $5,733+22.5% | $5,054+39.0% | $6,690+5.0% |
| Admin fee / account holder | $10,679 | $13,329-19.9% | $9,451+13.0% | $13,400-20.3% |