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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 | $90,104 | $80,985+11.3% | $96,576-6.7% | $75,181+19.9% |
| Participation rate | 46.9% | 71.8%-24.8pp | 76.0%-29.0pp | 67.2%-20.3pp |
| Annual return | 18.19% | 27.05%-8.9pp | 25.87%-7.7pp | 160.69%-142.5pp |
| Employer contribution / active EE | $1,592 | $2,282-30.3% | $2,965-46.3% | $2,671-40.4% |
| Participant deferral / active EE | $1,980 | $3,929-49.6% | $4,851-59.2% | $4,126-52.0% |
| Admin fee / account holder | $9,364 | $6,719+39.4% | $8,253+13.5% | $5,650+65.7% |