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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 | $80,342 | $76,551+5.0% | $123,894-35.2% | $62,881+27.8% |
| Participation rate | 57.6% | 73.0%-15.3pp | 81.4%-23.8pp | 69.3%-11.7pp |
| Annual return | 9.29% | 18.68%-9.4pp | 47.52%-38.2pp | 20.14%-10.8pp |
| Employer contribution / active EE | $1,059 | $2,882-63.3% | $4,617-77.1% | $2,281-53.6% |
| Participant deferral / active EE | $5,580 | $4,840+15.3% | $5,984-6.8% | $3,203+74.2% |
| Admin fee / account holder | $2,927 | $4,826-39.3% | $8,357-65.0% | $4,296-31.9% |