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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 | $87,019 | $57,140+52.3% | $85,240+2.1% | $80,959+7.5% |
| Participation rate | 50.0% | 56.4%-6.4pp | 67.5%-17.5pp | 67.7%-17.7pp |
| Annual return | 13.59% | 21.71%-8.1pp | 66.75%-53.2pp | 35.67%-22.1pp |
| Employer contribution / active EE | $1,886 | $1,802+4.6% | $2,735-31.1% | $2,757-31.6% |
| Participant deferral / active EE | $4,690 | $3,115+50.6% | $4,527+3.6% | $4,300+9.1% |
| Admin fee / account holder | $11,667 | $4,992+133.7% | $6,165+89.3% | $6,925+68.5% |