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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 | $99,875-11.7% | $146,866-39.9% | $86,983+1.4% |
| Participation rate | 64.0% | 75.8%-11.9pp | 82.5%-18.6pp | 69.5%-5.6pp |
| Annual return | 17.28% | 28.10%-10.8pp | 102.85%-85.6pp | 25.83%-8.5pp |
| Employer contribution / active EE | $1,020 | $3,224-68.4% | $4,425-77.0% | $2,584-60.5% |
| Participant deferral / active EE | $5,878 | $6,322-7.0% | $7,759-24.2% | $4,194+40.2% |
| Admin fee / account holder | $5,483 | $7,838-30.0% | $13,620-59.7% | $7,856-30.2% |