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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 | $89,592 | $106,864-16.2% | $147,318-39.2% | $82,637+8.4% |
| Participation rate | 65.7% | 75.5%-9.8pp | 82.1%-16.4pp | 68.1%-2.3pp |
| Annual return | 17.36% | 27.49%-10.1pp | 70.43%-53.1pp | 53.51%-36.2pp |
| Employer contribution / active EE | $1,704 | $3,417-50.1% | $4,593-62.9% | $2,552-33.3% |
| Participant deferral / active EE | $5,295 | $6,496-18.5% | $7,906-33.0% | $4,126+28.3% |
| Admin fee / account holder | $7,365 | $8,415-12.5% | $13,708-46.3% | $7,339+0.4% |