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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 | $85,371 | $81,476+4.8% | $102,383-16.6% | $80,925+5.5% |
| Participation rate | 58.5% | 66.8%-8.4pp | 74.5%-16.0pp | 67.7%-9.2pp |
| Annual return | 17.04% | 25.59%-8.6pp | 24.94%-7.9pp | 35.65%-18.6pp |
| Employer contribution / active EE | $2,876 | $3,105-7.4% | $3,870-25.7% | $2,756+4.3% |
| Participant deferral / active EE | $5,566 | $3,871+43.8% | $5,060+10.0% | $4,299+29.5% |
| Admin fee / account holder | $479 | $6,717-92.9% | $8,391-94.3% | $6,940-93.1% |