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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 | $88,724 | $94,031-5.6% | $115,768-23.4% | $82,448+7.6% |
| Participation rate | 60.0% | 70.4%-10.4pp | 74.4%-14.4pp | 68.1%-8.1pp |
| Annual return | 15.53% | 20.61%-5.1pp | 100.46%-84.9pp | 41.64%-26.1pp |
| Employer contribution / active EE | $2,574 | $2,323+10.8% | $2,940-12.4% | $2,551+0.9% |
| Participant deferral / active EE | $5,076 | $3,972+27.8% | $4,917+3.2% | $4,139+22.6% |
| Admin fee / account holder | $15,223 | $10,249+48.5% | $12,439+22.4% | $7,234+110.4% |