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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 | $95,388 | $58,600+62.8% | $83,327+14.5% | $64,173+48.6% |
| Participation rate | 65.5% | 72.0%-6.5pp | 77.8%-12.2pp | 69.6%-4.1pp |
| Annual return | -4.05% | 9.66%-13.7pp | 10.64%-14.7pp | 7.63%-11.7pp |
| Employer contribution / active EE | $5,289 | $2,098+152.1% | $3,379+56.5% | $2,381+122.2% |
| Participant deferral / active EE | $4,789 | $4,656+2.9% | $5,565-13.9% | $3,470+38.0% |
| Admin fee / account holder | $6,441 | $9,282-30.6% | $7,540-14.6% | $4,887+31.8% |