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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 | $84,582 | $68,573+23.3% | $120,368-29.7% | $80,874+4.6% |
| Participation rate | 55.6% | 61.6%-6.0pp | 71.9%-16.3pp | 67.6%-12.1pp |
| Annual return | 12.31% | 23.61%-11.3pp | 107.26%-94.9pp | 35.62%-23.3pp |
| Employer contribution / active EE | $1,302 | $2,052-36.5% | $3,465-62.4% | $2,756-52.8% |
| Participant deferral / active EE | $3,073 | $3,174-3.2% | $4,991-38.4% | $4,297-28.5% |
| Admin fee / account holder | $4,985 | $5,734-13.1% | $9,429-47.1% | $6,935-28.1% |