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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 | $84,578 | $77,638+8.9% | $156,551-46.0% | $62,881+34.5% |
| Participation rate | 61.5% | 71.2%-9.7pp | 84.0%-22.6pp | 69.3%-7.8pp |
| Annual return | 15.04% | 50.33%-35.3pp | 32.23%-17.2pp | 20.14%-5.1pp |
| Employer contribution / active EE | $1,495 | $3,444-56.6% | $5,501-72.8% | $2,281-34.5% |
| Participant deferral / active EE | $3,084 | $3,046+1.3% | $4,871-36.7% | $3,203-3.7% |
| Admin fee / account holder | $6,077 | $5,561+9.3% | $13,028-53.4% | $4,296+41.5% |