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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 | $91,775 | $81,331+12.8% | $155,534-41.0% | $80,935+13.4% |
| Participation rate | 55.2% | 66.3%-11.1pp | 78.2%-23.0pp | 67.7%-12.5pp |
| Annual return | 11.28% | 33.37%-22.1pp | 64.92%-53.6pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,596 | $3,105-48.6% | $4,675-65.8% | $2,757-42.1% |
| Participant deferral / active EE | $3,653 | $3,454+5.7% | $5,630-35.1% | $4,299-15.0% |
| Admin fee / account holder | $4,053 | $7,999-49.3% | $15,900-74.5% | $6,924-41.5% |