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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 | $111,024 | $76,407+45.3% | $150,298-26.1% | $82,448+34.7% |
| Participation rate | 44.3% | 66.4%-22.1pp | 77.8%-33.5pp | 68.1%-23.8pp |
| Annual return | 16.50% | 39.99%-23.5pp | 62.79%-46.3pp | 41.64%-25.1pp |
| Employer contribution / active EE | $1,607 | $2,614-38.5% | $4,154-61.3% | $2,551-37.0% |
| Participant deferral / active EE | $3,330 | $3,214+3.6% | $5,453-38.9% | $4,139-19.5% |
| Admin fee / account holder | $2,429 | $6,352-61.8% | $14,116-82.8% | $7,234-66.4% |