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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 | $90,884 | $91,179-0.3% | $178,499-49.1% | $79,852+13.8% |
| Participation rate | 54.8% | 69.2%-14.4pp | 81.9%-27.1pp | 69.6%-14.8pp |
| Annual return | 14.41% | 24.19%-9.8pp | 151.10%-136.7pp | 31.72%-17.3pp |
| Employer contribution / active EE | $2,494 | $3,256-23.4% | $5,011-50.2% | $2,471+0.9% |
| Participant deferral / active EE | $4,692 | $3,236+45.0% | $5,202-9.8% | $3,740+25.4% |
| Admin fee / account holder | $8,684 | $6,749+28.7% | $13,986-37.9% | $5,306+63.7% |