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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 | $82,374 | $101,795-19.1% | $165,100-50.1% | $80,959+1.7% |
| Participation rate | 55.8% | 71.8%-16.0pp | 78.6%-22.8pp | 67.7%-11.8pp |
| Annual return | 13.22% | 16.73%-3.5pp | 70.21%-57.0pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,818 | $2,954-38.5% | $4,348-58.2% | $2,757-34.1% |
| Participant deferral / active EE | $5,651 | $4,476+26.2% | $6,035-6.4% | $4,300+31.4% |
| Admin fee / account holder | $6,250 | $8,221-24.0% | $12,696-50.8% | $6,925-9.8% |