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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 | $94,618 | $108,825-13.1% | $156,181-39.4% | $82,448+14.8% |
| Participation rate | 53.0% | 72.4%-19.4pp | 78.8%-25.8pp | 68.1%-15.1pp |
| Annual return | 13.68% | 20.59%-6.9pp | 64.87%-51.2pp | 41.64%-28.0pp |
| Employer contribution / active EE | $1,557 | $2,870-45.8% | $4,294-63.7% | $2,551-39.0% |
| Participant deferral / active EE | $4,916 | $4,577+7.4% | $6,132-19.8% | $4,139+18.8% |
| Admin fee / account holder | $10,806 | $9,341+15.7% | $14,586-25.9% | $7,234+49.4% |