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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 | $85,954 | $87,166-1.4% | $76,735+12.0% | $137,256-37.4% |
| Participation rate | 55.6% | 74.4%-18.8pp | 69.5%-13.9pp | 80.0%-24.4pp |
| Annual return | 20.89% | 26.50%-5.6pp | 29.77%-8.9pp | 220.34%-199.4pp |
| Employer contribution / active EE | $2,051 | $2,904-29.4% | $2,454-16.4% | $4,156-50.6% |
| Participant deferral / active EE | $4,755 | $4,726+0.6% | $4,088+16.3% | $6,407-25.8% |
| Admin fee / account holder | $561 | $8,403-93.3% | $7,189-92.2% | $12,270-95.4% |