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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 | $94,413 | $72,269+30.6% | $101,271-6.8% | $79,852+18.2% |
| Participation rate | 50.0% | 68.5%-18.5pp | 75.8%-25.8pp | 69.6%-19.6pp |
| Annual return | 12.74% | 22.29%-9.5pp | 46.48%-33.7pp | 31.72%-19.0pp |
| Employer contribution / active EE | $1,923 | $2,692-28.5% | $3,660-47.5% | $2,471-22.2% |
| Participant deferral / active EE | $4,738 | $3,282+44.4% | $4,371+8.4% | $3,740+26.7% |
| Admin fee / account holder | $12,880 | $4,401+192.7% | $5,948+116.6% | $5,306+142.7% |