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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 | $85,542 | $76,551+11.7% | $123,894-31.0% | $62,881+36.0% |
| Participation rate | 61.4% | 73.0%-11.6pp | 81.4%-20.0pp | 69.3%-7.9pp |
| Annual return | 8.17% | 18.68%-10.5pp | 47.52%-39.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $2,495 | $2,882-13.5% | $4,617-46.0% | $2,281+9.4% |
| Participant deferral / active EE | $4,716 | $4,840-2.6% | $5,984-21.2% | $3,203+47.2% |
| Admin fee / account holder | $3,322 | $4,826-31.2% | $8,357-60.2% | $4,296-22.7% |