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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 | $110,793 | $86,949+27.4% | $102,460+8.1% | $80,959+36.9% |
| Participation rate | 50.0% | 72.4%-22.4pp | 76.5%-26.5pp | 67.7%-17.7pp |
| Annual return | 11.41% | 18.89%-7.5pp | 29.47%-18.1pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,785 | $2,370-24.7% | $3,025-41.0% | $2,757-35.3% |
| Participant deferral / active EE | $3,197 | $4,121-22.4% | $5,056-36.8% | $4,300-25.6% |
| Admin fee / account holder | $1,339 | $8,048-83.4% | $9,460-85.8% | $6,925-80.7% |