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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 | $81,262+0.4% | $155,602-47.6% | $80,911+0.8% |
| Participation rate | 51.6% | 66.2%-14.6pp | 78.2%-26.6pp | 67.6%-16.0pp |
| Annual return | 10.82% | 33.34%-22.5pp | 64.81%-54.0pp | 35.63%-24.8pp |
| Employer contribution / active EE | $1,710 | $3,102-44.9% | $4,675-63.4% | $2,756-37.9% |
| Participant deferral / active EE | $5,171 | $3,451+49.8% | $5,629-8.1% | $4,297+20.3% |
| Admin fee / account holder | $16,326 | $7,992+104.3% | $15,923+2.5% | $6,935+135.4% |