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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 | $90,841 | $87,037+4.4% | $106,201-14.5% | $80,874+12.3% |
| Participation rate | 60.0% | 70.4%-10.4pp | 75.3%-15.3pp | 67.6%-7.6pp |
| Annual return | 17.39% | 17.05%+0.3pp | 116.26%-98.9pp | 35.62%-18.2pp |
| Employer contribution / active EE | $1,648 | $2,396-31.2% | $3,170-48.0% | $2,756-40.2% |
| Participant deferral / active EE | $4,239 | $3,986+6.4% | $5,012-15.4% | $4,297-1.3% |
| Admin fee / account holder | $29,643 | $8,434+251.5% | $11,039+168.5% | $6,935+327.4% |