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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 | $81,218 | $73,532+10.5% | $178,505-54.5% | $74,478+9.1% |
| Participation rate | 45.8% | 66.6%-20.8pp | 77.1%-31.3pp | 67.2%-21.4pp |
| Annual return | 16.58% | 17.49%-0.9pp | 27.16%-10.6pp | 1370.56%-1354.0pp |
| Employer contribution / active EE | $1,852 | $2,221-16.6% | $3,955-53.2% | $2,626-29.5% |
| Participant deferral / active EE | $5,070 | $4,519+12.2% | $6,280-19.3% | $4,350+16.5% |
| Admin fee / account holder | $2,062 | $1,813+13.8% | $10,428-80.2% | $1,946+6.0% |