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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 | $106,613 | $49,249+116.5% | $70,476+51.3% | $79,852+33.5% |
| Participation rate | 59.2% | 69.2%-10.0pp | 75.1%-15.9pp | 69.6%-10.5pp |
| Annual return | 16.16% | 30.09%-13.9pp | 109.12%-93.0pp | 31.72%-15.6pp |
| Employer contribution / active EE | $3,197 | $2,100+52.2% | $2,738+16.8% | $2,471+29.4% |
| Participant deferral / active EE | $2,602 | $2,769-6.0% | $3,710-29.9% | $3,740-30.4% |
| Admin fee / account holder | $454 | $2,878-84.2% | $3,847-88.2% | $5,306-91.4% |