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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 | $89,672 | $81,504+10.0% | $102,437-12.5% | $80,959+10.8% |
| Participation rate | 52.0% | 66.9%-14.9pp | 74.5%-22.5pp | 67.7%-15.7pp |
| Annual return | 12.10% | 25.60%-13.5pp | 24.95%-12.8pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,413 | $3,104-54.5% | $3,871-63.5% | $2,757-48.8% |
| Participant deferral / active EE | $4,191 | $3,871+8.3% | $5,060-17.2% | $4,300-2.5% |
| Admin fee / account holder | $4,075 | $6,719-39.4% | $8,388-51.4% | $6,925-41.2% |