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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 | $102,638 | $78,423+30.9% | $95,964+7.0% | $79,856+28.5% |
| Participation rate | 44.4% | 73.5%-29.0pp | 77.1%-32.6pp | 69.6%-25.2pp |
| Annual return | 16.40% | 19.37%-3.0pp | 91.64%-75.2pp | 31.71%-15.3pp |
| Employer contribution / active EE | $2,421 | $1,945+24.4% | $2,541-4.8% | $2,471-2.0% |
| Participant deferral / active EE | $5,579 | $3,440+62.2% | $4,167+33.9% | $3,741+49.2% |
| Admin fee / account holder | $11,984 | $5,622+113.2% | $6,797+76.3% | $5,306+125.8% |