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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 | $91,887 | $81,487+12.8% | $102,412-10.3% | $80,935+13.5% |
| Participation rate | 51.3% | 66.8%-15.6pp | 74.5%-23.2pp | 67.7%-16.4pp |
| Annual return | 16.70% | 25.60%-8.9pp | 24.94%-8.2pp | 35.66%-19.0pp |
| Employer contribution / active EE | $4,151 | $3,103+33.8% | $3,870+7.3% | $2,757+50.6% |
| Participant deferral / active EE | $6,609 | $3,871+70.7% | $5,060+30.6% | $4,299+53.7% |
| Admin fee / account holder | $1,661 | $6,717-75.3% | $8,388-80.2% | $6,924-76.0% |