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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 | $95,786 | $177,156-45.9% | $147,027-34.9% | $154,746-38.1% |
| Participation rate | 55.6% | 79.4%-23.8pp | 73.7%-18.2pp | 80.7%-25.1pp |
| Annual return | 12.88% | 21.94%-9.1pp | 20.23%-7.4pp | 172.34%-159.5pp |
| Employer contribution / active EE | $3,759 | $4,336-13.3% | $3,626+3.7% | $4,379-14.2% |
| Participant deferral / active EE | $5,737 | $5,797-1.0% | $4,933+16.3% | $6,730-14.8% |
| Admin fee / account holder | $1,410 | $14,904-90.5% | $12,223-88.5% | $14,365-90.2% |