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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 | $84,322 | $89,259-5.5% | $107,187-21.3% | $82,637+2.0% |
| Participation rate | 63.8% | 67.9%-4.1pp | 75.0%-11.2pp | 68.1%-4.2pp |
| Annual return | 18.28% | 21.02%-2.7pp | 204.55%-186.3pp | 53.51%-35.2pp |
| Employer contribution / active EE | $2,647 | $3,080-14.1% | $3,782-30.0% | $2,552+3.7% |
| Participant deferral / active EE | $5,854 | $4,037+45.0% | $5,096+14.9% | $4,126+41.9% |
| Admin fee / account holder | $4,604 | $7,381-37.6% | $9,162-49.7% | $7,339-37.3% |