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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 | $84,530 | $84,953-0.5% | $163,379-48.3% | $82,637+2.3% |
| Participation rate | 57.3% | 65.9%-8.6pp | 76.8%-19.5pp | 68.1%-10.7pp |
| Annual return | 14.68% | 23.07%-8.4pp | 63.41%-48.7pp | 53.51%-38.8pp |
| Employer contribution / active EE | $1,288 | $2,183-41.0% | $3,752-65.7% | $2,552-49.5% |
| Participant deferral / active EE | $2,340 | $4,326-45.9% | $6,282-62.8% | $4,126-43.3% |
| Admin fee / account holder | $4,477 | $7,921-43.5% | $9,818-54.4% | $7,339-39.0% |