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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 | $81,457+10.1% | $103,378-13.3% | $80,911+10.8% |
| Participation rate | 52.0% | 66.8%-14.8pp | 74.5%-22.5pp | 67.6%-15.6pp |
| Annual return | 12.10% | 25.58%-13.5pp | 24.91%-12.8pp | 35.63%-23.5pp |
| Employer contribution / active EE | $1,413 | $3,107-54.5% | $3,870-63.5% | $2,756-48.7% |
| Participant deferral / active EE | $4,191 | $3,871+8.3% | $5,058-17.1% | $4,297-2.5% |
| Admin fee / account holder | $4,075 | $6,717-39.3% | $8,401-51.5% | $6,935-41.2% |