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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 | $85,771 | $60,349+42.1% | $74,184+15.6% | $62,881+36.4% |
| Participation rate | 46.8% | 72.7%-25.9pp | 76.6%-29.8pp | 69.3%-22.5pp |
| Annual return | 8.13% | 21.38%-13.2pp | 17.74%-9.6pp | 20.14%-12.0pp |
| Employer contribution / active EE | $1,612 | $1,680-4.0% | $2,370-32.0% | $2,281-29.3% |
| Participant deferral / active EE | $3,237 | $2,856+13.3% | $3,550-8.8% | $3,203+1.1% |
| Admin fee / account holder | $3,272 | $4,261-23.2% | $5,586-41.4% | $4,296-23.8% |