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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 | $110,951 | $71,230+55.8% | $93,727+18.4% | $80,959+37.0% |
| Participation rate | 34.6% | 60.4%-25.8pp | 68.7%-34.1pp | 67.7%-33.1pp |
| Annual return | 11.93% | 11.26%+0.7pp | 133.83%-121.9pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,595 | $1,565+1.9% | $2,421-34.1% | $2,757-42.1% |
| Participant deferral / active EE | $3,687 | $4,037-8.7% | $4,417-16.5% | $4,300-14.3% |
| Admin fee / account holder | $5,715 | $6,961-17.9% | $8,292-31.1% | $6,925-17.5% |