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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 | $111,674 | $87,059+28.3% | $105,608+5.7% | $80,925+38.0% |
| Participation rate | 40.8% | 70.4%-29.7pp | 75.3%-34.5pp | 67.7%-26.9pp |
| Annual return | 11.75% | 17.05%-5.3pp | 116.50%-104.8pp | 35.65%-23.9pp |
| Employer contribution / active EE | $1,740 | $2,396-27.4% | $3,167-45.1% | $2,756-36.9% |
| Participant deferral / active EE | $3,908 | $3,986-2.0% | $5,010-22.0% | $4,299-9.1% |
| Admin fee / account holder | $8,017 | $8,443-5.0% | $11,028-27.3% | $6,940+15.5% |