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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 | $116,839 | $81,457+43.4% | $103,378+13.0% | $80,911+44.4% |
| Participation rate | 39.5% | 66.8%-27.3pp | 74.5%-35.0pp | 67.6%-28.1pp |
| Annual return | 11.33% | 25.58%-14.2pp | 24.91%-13.6pp | 35.63%-24.3pp |
| Employer contribution / active EE | $3,413 | $3,107+9.8% | $3,870-11.8% | $2,756+23.8% |
| Participant deferral / active EE | $6,695 | $3,871+73.0% | $5,058+32.4% | $4,297+55.8% |
| Admin fee / account holder | $4,890 | $6,717-27.2% | $8,401-41.8% | $6,935-29.5% |