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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 | $94,580 | $58,627+61.3% | $76,735+23.3% | $82,448+14.7% |
| Participation rate | 51.6% | 63.2%-11.6pp | 69.5%-17.9pp | 68.1%-16.5pp |
| Annual return | 15.95% | 39.10%-23.1pp | 29.77%-13.8pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,650 | $1,729-4.6% | $2,454-32.8% | $2,551-35.3% |
| Participant deferral / active EE | $2,828 | $3,134-9.7% | $4,088-30.8% | $4,139-31.7% |
| Admin fee / account holder | $5,899 | $5,323+10.8% | $7,189-18.0% | $7,234-18.5% |