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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 | $93,805 | $108,825-13.8% | $156,181-39.9% | $82,448+13.8% |
| Participation rate | 62.5% | 72.4%-9.9pp | 78.8%-16.3pp | 68.1%-5.6pp |
| Annual return | 19.94% | 20.59%-0.7pp | 64.87%-44.9pp | 41.64%-21.7pp |
| Employer contribution / active EE | $1,514 | $2,870-47.3% | $4,294-64.7% | $2,551-40.7% |
| Participant deferral / active EE | $4,950 | $4,577+8.1% | $6,132-19.3% | $4,139+19.6% |
| Admin fee / account holder | $15,366 | $9,341+64.5% | $14,586+5.3% | $7,234+112.4% |