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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 | $103,925 | $37,446+177.5% | $77,552+34.0% | $79,856+30.1% |
| Participation rate | 33.3% | 41.5%-8.2pp | 54.2%-20.9pp | 69.6%-36.3pp |
| Annual return | 15.25% | 39.76%-24.5pp | 54.82%-39.6pp | 31.71%-16.5pp |
| Employer contribution / active EE | $1,087 | $637+70.5% | $987+10.1% | $2,471-56.0% |
| Participant deferral / active EE | $3,266 | $1,261+159.1% | $1,861+75.5% | $3,741-12.7% |
| Admin fee / account holder | $1,216 | $2,506-51.5% | $2,859-57.5% | $5,306-77.1% |