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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 | $89,485 | $61,390+45.8% | $112,228-20.3% | $75,177+19.0% |
| Participation rate | 60.0% | 61.6%-1.6pp | 72.4%-12.4pp | 67.2%-7.2pp |
| Annual return | 16.18% | 28.47%-12.3pp | 30.23%-14.1pp | 160.75%-144.6pp |
| Employer contribution / active EE | $1,595 | $2,015-20.8% | $3,432-53.5% | $2,671-40.3% |
| Participant deferral / active EE | $2,878 | $3,108-7.4% | $4,800-40.0% | $4,126-30.3% |
| Admin fee / account holder | $1,855 | $4,862-61.8% | $7,752-76.1% | $5,651-67.2% |