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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 | $83,601 | $81,331+2.8% | $155,534-46.2% | $80,935+3.3% |
| Participation rate | 48.0% | 66.3%-18.3pp | 78.2%-30.2pp | 67.7%-19.7pp |
| Annual return | 12.45% | 33.37%-20.9pp | 64.92%-52.5pp | 35.66%-23.2pp |
| Employer contribution / active EE | $2,172 | $3,105-30.1% | $4,675-53.5% | $2,757-21.2% |
| Participant deferral / active EE | $2,327 | $3,454-32.6% | $5,630-58.7% | $4,299-45.9% |
| Admin fee / account holder | $5,231 | $7,999-34.6% | $15,900-67.1% | $6,924-24.5% |