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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 | $100,691 | $73,787+36.5% | $98,716+2.0% | $82,448+22.1% |
| Participation rate | 39.4% | 61.4%-22.0pp | 69.3%-29.9pp | 68.1%-28.6pp |
| Annual return | 21.73% | 18.57%+3.2pp | 31.81%-10.1pp | 41.64%-19.9pp |
| Employer contribution / active EE | $1,649 | $1,511+9.1% | $2,279-27.6% | $2,551-35.4% |
| Participant deferral / active EE | $4,305 | $3,081+39.7% | $4,048+6.4% | $4,139+4.0% |
| Admin fee / account holder | $1,111 | $6,500-82.9% | $8,703-87.2% | $7,234-84.6% |