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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 | $86,297 | $114,712-24.8% | $173,730-50.3% | $87,485-1.4% |
| Participation rate | 65.9% | 73.0%-7.1pp | 79.6%-13.7pp | 68.9%-3.0pp |
| Annual return | 15.36% | 20.18%-4.8pp | 19.96%-4.6pp | 26.06%-10.7pp |
| Employer contribution / active EE | $2,636 | $2,904-9.2% | $4,577-42.4% | $2,596+1.5% |
| Participant deferral / active EE | $6,351 | $4,642+36.8% | $6,326+0.4% | $4,274+48.6% |
| Admin fee / account holder | $36,541 | $10,210+257.9% | $17,523+108.5% | $7,775+370.0% |