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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 | $108,825-20.7% | $156,181-44.7% | $82,448+4.7% |
| Participation rate | 65.9% | 72.4%-6.5pp | 78.8%-12.9pp | 68.1%-2.2pp |
| Annual return | 15.36% | 20.59%-5.2pp | 64.87%-49.5pp | 41.64%-26.3pp |
| Employer contribution / active EE | $2,636 | $2,870-8.1% | $4,294-38.6% | $2,551+3.3% |
| Participant deferral / active EE | $6,351 | $4,577+38.8% | $6,132+3.6% | $4,139+53.4% |
| Admin fee / account holder | $36,541 | $9,341+291.2% | $14,586+150.5% | $7,234+405.1% |