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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 | $93,461 | $86,938+7.5% | $102,423-8.8% | $80,925+15.5% |
| Participation rate | 51.9% | 72.4%-20.5pp | 76.5%-24.7pp | 67.7%-15.8pp |
| Annual return | 25.14% | 18.89%+6.2pp | 29.42%-4.3pp | 35.65%-10.5pp |
| Employer contribution / active EE | $1,449 | $2,369-38.9% | $3,023-52.1% | $2,756-47.4% |
| Participant deferral / active EE | $3,059 | $4,120-25.8% | $5,054-39.5% | $4,299-28.8% |
| Admin fee / account holder | $3,061 | $8,053-62.0% | $9,455-67.6% | $6,940-55.9% |