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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 | $80,448 | $64,462+24.8% | $81,482-1.3% | $80,911-0.6% |
| Participation rate | 55.8% | 63.9%-8.1pp | 69.5%-13.7pp | 67.6%-11.8pp |
| Annual return | 11.76% | 16.35%-4.6pp | 24.79%-13.0pp | 35.63%-23.9pp |
| Employer contribution / active EE | $3,486 | $1,979+76.2% | $2,463+41.5% | $2,756+26.5% |
| Participant deferral / active EE | $3,715 | $3,094+20.1% | $3,885-4.4% | $4,297-13.6% |
| Admin fee / account holder | $28,328 | $5,678+398.9% | $5,761+391.7% | $6,935+308.5% |