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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 | $76,586 | $93,598-18.2% | $135,974-43.7% | $75,173+1.9% |
| Participation rate | 45.5% | 75.2%-29.7pp | 81.9%-36.5pp | 67.2%-21.7pp |
| Annual return | 18.79% | 30.89%-12.1pp | 68.30%-49.5pp | 160.72%-141.9pp |
| Employer contribution / active EE | $2,194 | $3,538-38.0% | $4,859-54.8% | $2,671-17.8% |
| Participant deferral / active EE | $5,459 | $6,405-14.8% | $7,760-29.6% | $4,126+32.3% |
| Admin fee / account holder | $506 | $6,978-92.7% | $10,767-95.3% | $5,651-91.0% |