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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 | $83,872 | $77,638+8.0% | $156,551-46.4% | $62,881+33.4% |
| Participation rate | 58.6% | 71.2%-12.6pp | 84.0%-25.4pp | 69.3%-10.7pp |
| Annual return | 8.56% | 50.33%-41.8pp | 32.23%-23.7pp | 20.14%-11.6pp |
| Employer contribution / active EE | $2,801 | $3,444-18.7% | $5,501-49.1% | $2,281+22.8% |
| Participant deferral / active EE | $4,261 | $3,046+39.9% | $4,871-12.5% | $3,203+33.0% |
| Admin fee / account holder | $613 | $5,561-89.0% | $13,028-95.3% | $4,296-85.7% |