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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 | $88,903 | $73,978+20.2% | $96,515-7.9% | $75,173+18.3% |
| Participation rate | 60.8% | 66.4%-5.6pp | 74.3%-13.6pp | 67.2%-6.4pp |
| Annual return | 17.14% | 26.72%-9.6pp | 35.73%-18.6pp | 160.72%-143.6pp |
| Employer contribution / active EE | $2,381 | $2,931-18.7% | $3,740-36.3% | $2,671-10.8% |
| Participant deferral / active EE | $4,863 | $3,660+32.9% | $4,880-0.3% | $4,126+17.9% |
| Admin fee / account holder | $1,645 | $5,219-68.5% | $6,735-75.6% | $5,651-70.9% |