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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 | $84,556 | $68,878+22.8% | $120,574-29.9% | $80,935+4.5% |
| Participation rate | 59.5% | 61.7%-2.2pp | 71.9%-12.4pp | 67.7%-8.1pp |
| Annual return | 13.13% | 23.67%-10.5pp | 107.42%-94.3pp | 35.66%-22.5pp |
| Employer contribution / active EE | $1,795 | $2,065-13.1% | $3,471-48.3% | $2,757-34.9% |
| Participant deferral / active EE | $5,318 | $3,189+66.8% | $4,996+6.4% | $4,299+23.7% |
| Admin fee / account holder | $6,584 | $5,782+13.9% | $9,445-30.3% | $6,924-4.9% |