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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 | $86,376 | $67,894+27.2% | $89,340-3.3% | $82,448+4.8% |
| Participation rate | 52.0% | 64.0%-12.0pp | 69.6%-17.6pp | 68.1%-16.1pp |
| Annual return | 13.62% | 19.21%-5.6pp | 20.57%-7.0pp | 41.64%-28.0pp |
| Employer contribution / active EE | $1,366 | $1,828-25.3% | $2,231-38.8% | $2,551-46.5% |
| Participant deferral / active EE | $2,477 | $3,072-19.4% | $3,823-35.2% | $4,139-40.1% |
| Admin fee / account holder | $2,973 | $5,723-48.1% | $6,704-55.7% | $7,234-58.9% |