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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 | $88,092 | $97,648-9.8% | $121,663-27.6% | $87,485+0.7% |
| Participation rate | 56.0% | 70.5%-14.5pp | 74.5%-18.5pp | 68.9%-12.9pp |
| Annual return | 14.84% | 18.03%-3.2pp | 147.54%-132.7pp | 26.06%-11.2pp |
| Employer contribution / active EE | $2,719 | $2,300+18.2% | $3,020-10.0% | $2,596+4.7% |
| Participant deferral / active EE | $4,850 | $3,923+23.6% | $4,887-0.8% | $4,274+13.5% |
| Admin fee / account holder | $3,950 | $11,100-64.4% | $14,289-72.4% | $7,775-49.2% |