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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 | $79,867+11.9% | $120,344-25.7% | $64,340+38.9% |
| Participation rate | 51.7% | 63.0%-11.3pp | 76.7%-25.0pp | 55.2%-3.6pp |
| Annual return | 18.12% | 21.10%-3.0pp | 20.30%-2.2pp | 24.14%-6.0pp |
| Employer contribution / active EE | $1,479 | $1,925-23.2% | $3,020-51.0% | $1,862-20.6% |
| Participant deferral / active EE | $2,717 | $3,593-24.4% | $5,135-47.1% | $2,980-8.9% |
| Admin fee / account holder | $5,935 | $5,039+17.8% | $12,742-53.4% | $3,703+60.3% |