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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 | $89,092 | $76,551+16.4% | $123,894-28.1% | $62,881+41.7% |
| Participation rate | 55.6% | 73.0%-17.4pp | 81.4%-25.9pp | 69.3%-13.7pp |
| Annual return | 6.76% | 18.68%-11.9pp | 47.52%-40.8pp | 20.14%-13.4pp |
| Employer contribution / active EE | $2,516 | $2,882-12.7% | $4,617-45.5% | $2,281+10.3% |
| Participant deferral / active EE | $7,199 | $4,840+48.8% | $5,984+20.3% | $3,203+124.8% |
| Admin fee / account holder | $2,462 | $4,826-49.0% | $8,357-70.5% | $4,296-42.7% |