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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 | $91,566 | $64,348+42.3% | $90,162+1.6% | $70,131+30.6% |
| Participation rate | 57.1% | 70.4%-13.3pp | 76.9%-19.7pp | 69.5%-12.4pp |
| Annual return | 15.82% | 28.13%-12.3pp | 34.88%-19.1pp | 73.14%-57.3pp |
| Employer contribution / active EE | $864 | $2,046-57.8% | $3,318-74.0% | $2,342-63.1% |
| Participant deferral / active EE | $3,315 | $4,389-24.5% | $5,287-37.3% | $3,332-0.5% |
| Admin fee / account holder | $4,953 | $3,944+25.6% | $5,943-16.6% | $4,645+6.6% |