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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 | $89,357 | $85,515+4.5% | $112,040-20.2% | $67,986+31.4% |
| Participation rate | 51.7% | 68.2%-16.6pp | 76.5%-24.8pp | 57.2%-5.5pp |
| Annual return | 18.12% | 29.68%-11.6pp | 24.52%-6.4pp | 31.67%-13.5pp |
| Employer contribution / active EE | $1,479 | $2,191-32.5% | $2,954-49.9% | $2,019-26.8% |
| Participant deferral / active EE | $2,717 | $4,014-32.3% | $5,098-46.7% | $3,358-19.1% |
| Admin fee / account holder | $5,935 | $3,774+57.3% | $12,098-50.9% | $3,203+85.3% |