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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 | $88,234 | $106,524-17.2% | $152,301-42.1% | $87,485+0.9% |
| Participation rate | 64.0% | 75.8%-11.8pp | 82.4%-18.5pp | 68.9%-5.0pp |
| Annual return | 17.28% | 26.89%-9.6pp | 80.50%-63.2pp | 26.06%-8.8pp |
| Employer contribution / active EE | $1,020 | $3,371-69.8% | $4,624-77.9% | $2,596-60.7% |
| Participant deferral / active EE | $5,878 | $6,525-9.9% | $8,004-26.6% | $4,274+37.5% |
| Admin fee / account holder | $5,483 | $8,287-33.8% | $14,398-61.9% | $7,775-29.5% |