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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 | $95,899 | $88,672+8.2% | $105,223-8.9% | $82,448+16.3% |
| Participation rate | 60.0% | 67.9%-7.9pp | 75.0%-15.0pp | 68.1%-8.1pp |
| Annual return | 16.94% | 30.86%-13.9pp | 180.65%-163.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,595 | $3,048-14.9% | $3,689-29.7% | $2,551+1.7% |
| Participant deferral / active EE | $3,540 | $4,036-12.3% | $5,072-30.2% | $4,139-14.5% |
| Admin fee / account holder | $9,512 | $7,146+33.1% | $8,859+7.4% | $7,234+31.5% |