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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 | $87,627 | $85,515+2.5% | $112,040-21.8% | $67,986+28.9% |
| Participation rate | 61.3% | 68.2%-6.9pp | 76.5%-15.2pp | 57.2%+4.1pp |
| Annual return | 14.93% | 29.68%-14.7pp | 24.52%-9.6pp | 31.67%-16.7pp |
| Employer contribution / active EE | $2,287 | $2,191+4.4% | $2,954-22.6% | $2,019+13.3% |
| Participant deferral / active EE | $4,809 | $4,014+19.8% | $5,098-5.7% | $3,358+43.2% |
| Admin fee / account holder | $6,598 | $3,774+74.8% | $12,098-45.5% | $3,203+106.0% |