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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 | $87,415 | $71,197+22.8% | $93,669-6.7% | $80,925+8.0% |
| Participation rate | 41.4% | 60.4%-19.0pp | 68.7%-27.3pp | 67.7%-26.3pp |
| Annual return | 11.60% | 11.27%+0.3pp | 133.59%-122.0pp | 35.65%-24.0pp |
| Employer contribution / active EE | $1,433 | $1,565-8.4% | $2,424-40.9% | $2,756-48.0% |
| Participant deferral / active EE | $3,199 | $4,036-20.7% | $4,416-27.5% | $4,299-25.6% |
| Admin fee / account holder | $5,697 | $6,959-18.1% | $8,291-31.3% | $6,940-17.9% |