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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 | $106,512 | $81,358+30.9% | $155,556-31.5% | $80,959+31.6% |
| Participation rate | 57.9% | 66.3%-8.4pp | 78.2%-20.3pp | 67.7%-9.8pp |
| Annual return | 16.83% | 33.39%-16.6pp | 64.84%-48.0pp | 35.67%-18.8pp |
| Employer contribution / active EE | $1,523 | $3,106-51.0% | $4,675-67.4% | $2,757-44.8% |
| Participant deferral / active EE | $2,243 | $3,455-35.1% | $5,631-60.2% | $4,300-47.9% |
| Admin fee / account holder | $4,023 | $7,994-49.7% | $15,885-74.7% | $6,925-41.9% |