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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 | $78,499 | $76,551+2.5% | $123,894-36.6% | $62,881+24.8% |
| Participation rate | 53.1% | 73.0%-19.9pp | 81.4%-28.3pp | 69.3%-16.2pp |
| Annual return | 6.61% | 18.68%-12.1pp | 47.52%-40.9pp | 20.14%-13.5pp |
| Employer contribution / active EE | $2,603 | $2,882-9.7% | $4,617-43.6% | $2,281+14.1% |
| Participant deferral / active EE | $3,573 | $4,840-26.2% | $5,984-40.3% | $3,203+11.5% |
| Admin fee / account holder | $15,673 | $4,826+224.8% | $8,357+87.5% | $4,296+264.9% |