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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 | $82,691 | $71,215+16.1% | $93,696-11.7% | $80,935+2.2% |
| Participation rate | 58.1% | 60.4%-2.3pp | 68.7%-10.7pp | 67.7%-9.6pp |
| Annual return | 13.19% | 11.27%+1.9pp | 133.74%-120.6pp | 35.66%-22.5pp |
| Employer contribution / active EE | $850 | $1,565-45.7% | $2,422-64.9% | $2,757-69.2% |
| Participant deferral / active EE | $4,632 | $4,037+14.8% | $4,417+4.9% | $4,299+7.7% |
| Admin fee / account holder | $24,211 | $6,958+248.0% | $8,287+192.2% | $6,924+249.6% |