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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 | $87,450 | $81,358+7.5% | $155,556-43.8% | $80,959+8.0% |
| Participation rate | 61.9% | 66.3%-4.4pp | 78.2%-16.3pp | 67.7%-5.8pp |
| Annual return | 16.45% | 33.39%-16.9pp | 64.84%-48.4pp | 35.67%-19.2pp |
| Employer contribution / active EE | $2,874 | $3,106-7.5% | $4,675-38.5% | $2,757+4.2% |
| Participant deferral / active EE | $4,469 | $3,455+29.3% | $5,631-20.6% | $4,300+3.9% |
| Admin fee / account holder | $2,765 | $7,994-65.4% | $15,885-82.6% | $6,925-60.1% |