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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 | $85,823 | $86,938-1.3% | $102,423-16.2% | $80,925+6.1% |
| Participation rate | 61.0% | 72.4%-11.4pp | 76.5%-15.5pp | 67.7%-6.6pp |
| Annual return | 15.41% | 18.89%-3.5pp | 29.42%-14.0pp | 35.65%-20.2pp |
| Employer contribution / active EE | $2,179 | $2,369-8.0% | $3,023-27.9% | $2,756-20.9% |
| Participant deferral / active EE | $4,125 | $4,120+0.1% | $5,054-18.4% | $4,299-4.0% |
| Admin fee / account holder | $2,454 | $8,053-69.5% | $9,455-74.0% | $6,940-64.6% |