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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 | $76,150 | $90,170-15.5% | $150,734-49.5% | $69,733+9.2% |
| Participation rate | 54.0% | 60.2%-6.2pp | 78.4%-24.5pp | 62.5%-8.5pp |
| Annual return | 11.18% | 16.56%-5.4pp | 600.81%-589.6pp | 15.22%-4.0pp |
| Employer contribution / active EE | $4,087 | $3,428+19.2% | $4,918-16.9% | $2,250+81.6% |
| Participant deferral / active EE | $1,558 | $3,086-49.5% | $5,610-72.2% | $3,054-49.0% |
| Admin fee / account holder | $18,546 | $4,600+303.2% | $14,905+24.4% | $3,102+497.9% |