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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 | $97,019 | $80,984+19.8% | $96,569+0.5% | $75,173+29.1% |
| Participation rate | 60.3% | 71.8%-11.4pp | 76.0%-15.6pp | 67.2%-6.9pp |
| Annual return | 15.07% | 27.05%-12.0pp | 25.87%-10.8pp | 160.65%-145.6pp |
| Employer contribution / active EE | $1,538 | $2,282-32.6% | $2,965-48.1% | $2,670-42.4% |
| Participant deferral / active EE | $3,579 | $3,929-8.9% | $4,851-26.2% | $4,126-13.3% |
| Admin fee / account holder | $5,389 | $6,720-19.8% | $8,251-34.7% | $5,651-4.6% |