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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 | $86,686 | $108,825-20.3% | $156,181-44.5% | $82,448+5.1% |
| Participation rate | 58.3% | 72.4%-14.0pp | 78.8%-20.5pp | 68.1%-9.7pp |
| Annual return | 14.41% | 20.59%-6.2pp | 64.87%-50.5pp | 41.64%-27.2pp |
| Employer contribution / active EE | $1,590 | $2,870-44.6% | $4,294-63.0% | $2,551-37.7% |
| Participant deferral / active EE | $4,334 | $4,577-5.3% | $6,132-29.3% | $4,139+4.7% |
| Admin fee / account holder | $9,725 | $9,341+4.1% | $14,586-33.3% | $7,234+34.4% |