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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 | $84,293 | $73,988+13.9% | $96,538-12.7% | $75,177+12.1% |
| Participation rate | 48.6% | 66.4%-17.9pp | 74.3%-25.8pp | 67.2%-18.6pp |
| Annual return | 17.18% | 26.73%-9.5pp | 35.74%-18.6pp | 160.75%-143.6pp |
| Employer contribution / active EE | $2,103 | $2,930-28.2% | $3,740-43.8% | $2,671-21.3% |
| Participant deferral / active EE | $4,501 | $3,660+22.9% | $4,880-7.8% | $4,126+9.1% |
| Admin fee / account holder | $4,528 | $5,220-13.2% | $6,737-32.8% | $5,651-19.9% |