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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 | $80,162 | $106,524-24.7% | $152,301-47.4% | $87,485-8.4% |
| Participation rate | 63.2% | 75.8%-12.6pp | 82.4%-19.3pp | 68.9%-5.8pp |
| Annual return | 15.81% | 26.89%-11.1pp | 80.50%-64.7pp | 26.06%-10.3pp |
| Employer contribution / active EE | $2,613 | $3,371-22.5% | $4,624-43.5% | $2,596+0.6% |
| Participant deferral / active EE | $5,946 | $6,525-8.9% | $8,004-25.7% | $4,274+39.1% |
| Admin fee / account holder | $34,650 | $8,287+318.1% | $14,398+140.7% | $7,775+345.7% |