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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 | $91,601 | $93,617-2.2% | $135,982-32.6% | $75,177+21.8% |
| Participation rate | 55.2% | 75.2%-20.0pp | 81.9%-26.7pp | 67.2%-12.0pp |
| Annual return | 20.95% | 30.89%-9.9pp | 68.32%-47.4pp | 160.75%-139.8pp |
| Employer contribution / active EE | $1,853 | $3,538-47.6% | $4,859-61.9% | $2,671-30.6% |
| Participant deferral / active EE | $4,070 | $6,406-36.5% | $7,760-47.6% | $4,126-1.4% |
| Admin fee / account holder | $7,743 | $6,980+10.9% | $10,767-28.1% | $5,651+37.0% |