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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 | $112,989 | $75,541+49.6% | $152,093-25.7% | $82,637+36.7% |
| Participation rate | 58.3% | 66.5%-8.2pp | 77.8%-19.4pp | 68.1%-9.7pp |
| Annual return | 15.99% | 32.56%-16.6pp | 66.36%-50.4pp | 53.51%-37.5pp |
| Employer contribution / active EE | $1,989 | $2,622-24.2% | $4,175-52.4% | $2,552-22.1% |
| Participant deferral / active EE | $5,480 | $3,206+71.0% | $5,451+0.5% | $4,126+32.8% |
| Admin fee / account holder | $1,610 | $6,405-74.9% | $14,497-88.9% | $7,339-78.1% |