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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 | $85,938 | $71,057+20.9% | $93,654-8.2% | $80,874+6.3% |
| Participation rate | 55.2% | 60.4%-5.2pp | 68.7%-13.5pp | 67.6%-12.5pp |
| Annual return | 12.63% | 11.26%+1.4pp | 133.34%-120.7pp | 35.62%-23.0pp |
| Employer contribution / active EE | $1,268 | $1,564-18.9% | $2,421-47.6% | $2,756-54.0% |
| Participant deferral / active EE | $3,817 | $4,034-5.4% | $4,413-13.5% | $4,297-11.2% |
| Admin fee / account holder | $4,291 | $6,944-38.2% | $8,282-48.2% | $6,935-38.1% |