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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 | $81,549 | $81,358+0.2% | $155,556-47.6% | $80,959+0.7% |
| Participation rate | 51.6% | 66.3%-14.7pp | 78.2%-26.6pp | 67.7%-16.1pp |
| Annual return | 10.82% | 33.39%-22.6pp | 64.84%-54.0pp | 35.67%-24.9pp |
| Employer contribution / active EE | $1,710 | $3,106-44.9% | $4,675-63.4% | $2,757-38.0% |
| Participant deferral / active EE | $5,171 | $3,455+49.6% | $5,631-8.2% | $4,300+20.2% |
| Admin fee / account holder | $16,326 | $7,994+104.2% | $15,885+2.8% | $6,925+135.7% |