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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 | $93,984 | $81,504+15.3% | $102,437-8.3% | $80,959+16.1% |
| Participation rate | 48.3% | 66.9%-18.6pp | 74.5%-26.2pp | 67.7%-19.4pp |
| Annual return | 12.52% | 25.60%-13.1pp | 24.95%-12.4pp | 35.67%-23.2pp |
| Employer contribution / active EE | $2,013 | $3,104-35.1% | $3,871-48.0% | $2,757-27.0% |
| Participant deferral / active EE | $5,391 | $3,871+39.3% | $5,060+6.5% | $4,300+25.4% |
| Admin fee / account holder | $5,824 | $6,719-13.3% | $8,388-30.6% | $6,925-15.9% |