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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 | $92,743 | $101,798-8.9% | $165,071-43.8% | $80,935+14.6% |
| Participation rate | 58.1% | 71.8%-13.7pp | 78.6%-20.5pp | 67.7%-9.5pp |
| Annual return | 12.82% | 16.73%-3.9pp | 70.17%-57.3pp | 35.66%-22.8pp |
| Employer contribution / active EE | $2,519 | $2,954-14.7% | $4,347-42.1% | $2,757-8.6% |
| Participant deferral / active EE | $5,001 | $4,476+11.7% | $6,035-17.1% | $4,299+16.3% |
| Admin fee / account holder | $3,608 | $8,221-56.1% | $12,695-71.6% | $6,924-47.9% |