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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 | $81,262+12.9% | $155,602-41.0% | $80,911+13.4% |
| Participation rate | 55.2% | 66.2%-11.1pp | 78.2%-23.0pp | 67.6%-12.5pp |
| Annual return | 11.28% | 33.34%-22.1pp | 64.81%-53.5pp | 35.63%-24.3pp |
| Employer contribution / active EE | $1,596 | $3,102-48.5% | $4,675-65.9% | $2,756-42.1% |
| Participant deferral / active EE | $3,653 | $3,451+5.8% | $5,629-35.1% | $4,297-15.0% |
| Admin fee / account holder | $4,053 | $7,992-49.3% | $15,923-74.5% | $6,935-41.5% |