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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 | $88,690 | $87,834+1.0% | $133,975-33.8% | $62,881+41.0% |
| Participation rate | 61.5% | 83.4%-21.8pp | 87.1%-25.5pp | 69.3%-7.8pp |
| Annual return | 6.40% | 12.05%-5.6pp | 29.29%-22.9pp | 20.14%-13.7pp |
| Employer contribution / active EE | $2,578 | $3,482-26.0% | $5,211-50.5% | $2,281+13.0% |
| Participant deferral / active EE | $4,554 | $4,812-5.4% | $6,282-27.5% | $3,203+42.2% |
| Admin fee / account holder | $16,732 | $5,372+211.4% | $9,324+79.4% | $4,296+289.5% |