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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 | $89,585 | $64,920+38.0% | $103,693-13.6% | $86,983+3.0% |
| Participation rate | 53.6% | 63.6%-10.0pp | 72.6%-19.1pp | 69.5%-16.0pp |
| Annual return | 14.39% | 30.29%-15.9pp | 47.61%-33.2pp | 25.83%-11.4pp |
| Employer contribution / active EE | $1,712 | $2,141-20.0% | $2,920-41.4% | $2,584-33.8% |
| Participant deferral / active EE | $3,535 | $3,241+9.1% | $4,579-22.8% | $4,194-15.7% |
| Admin fee / account holder | $9,479 | $6,191+53.1% | $7,858+20.6% | $7,856+20.7% |