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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 | $88,007 | $87,106+1.0% | $105,607-16.7% | $80,935+8.7% |
| Participation rate | 53.5% | 70.4%-17.0pp | 75.3%-21.8pp | 67.7%-14.2pp |
| Annual return | 12.06% | 17.01%-5.0pp | 116.11%-104.0pp | 35.66%-23.6pp |
| Employer contribution / active EE | $2,276 | $2,396-5.0% | $3,167-28.1% | $2,757-17.4% |
| Participant deferral / active EE | $3,216 | $3,986-19.3% | $5,011-35.8% | $4,299-25.2% |
| Admin fee / account holder | $6,524 | $8,447-22.8% | $10,958-40.5% | $6,924-5.8% |