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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 | $88,651 | $91,198-2.8% | $178,503-50.3% | $79,856+11.0% |
| Participation rate | 67.7% | 69.2%-1.5pp | 81.9%-14.2pp | 69.6%-1.9pp |
| Annual return | 13.08% | 24.20%-11.1pp | 151.12%-138.0pp | 31.71%-18.6pp |
| Employer contribution / active EE | $2,394 | $3,257-26.5% | $5,011-52.2% | $2,471-3.1% |
| Participant deferral / active EE | $4,586 | $3,237+41.7% | $5,202-11.9% | $3,741+22.6% |
| Admin fee / account holder | $3,163 | $6,748-53.1% | $13,987-77.4% | $5,306-40.4% |