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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 | $80,694 | $72,273+11.7% | $101,275-20.3% | $79,856+1.0% |
| Participation rate | 50.0% | 68.5%-18.5pp | 75.8%-25.8pp | 69.6%-19.6pp |
| Annual return | 16.71% | 22.30%-5.6pp | 46.48%-29.8pp | 31.71%-15.0pp |
| Employer contribution / active EE | $2,397 | $2,691-10.9% | $3,660-34.5% | $2,471-3.0% |
| Participant deferral / active EE | $4,072 | $3,282+24.1% | $4,371-6.8% | $3,741+8.9% |
| Admin fee / account holder | $455 | $4,401-89.7% | $5,948-92.4% | $5,306-91.4% |