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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 | $76,834+31.1% | $108,359-7.1% | $87,485+15.1% |
| Participation rate | 39.4% | 61.7%-22.3pp | 70.1%-30.7pp | 68.9%-29.5pp |
| Annual return | 21.73% | 19.09%+2.6pp | 36.89%-15.2pp | 26.06%-4.3pp |
| Employer contribution / active EE | $1,649 | $1,556+5.9% | $2,399-31.3% | $2,596-36.5% |
| Participant deferral / active EE | $4,305 | $3,100+38.9% | $4,137+4.1% | $4,274+0.7% |
| Admin fee / account holder | $1,111 | $6,537-83.0% | $9,741-88.6% | $7,775-85.7% |