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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 | $88,120 | $65,361+34.8% | $92,903-5.1% | $72,983+20.7% |
| Participation rate | 54.8% | 68.3%-13.5pp | 76.0%-21.2pp | 69.5%-14.6pp |
| Annual return | 23.28% | 42.11%-18.8pp | 109.43%-86.1pp | 81.01%-57.7pp |
| Employer contribution / active EE | $1,650 | $2,594-36.4% | $3,653-54.8% | $2,440-32.4% |
| Participant deferral / active EE | $3,545 | $3,128+13.3% | $4,238-16.4% | $3,608-1.7% |
| Admin fee / account holder | $2,289 | $4,251-46.2% | $5,795-60.5% | $5,124-55.3% |