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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 | $110,706 | $65,027+70.2% | $90,970+21.7% | $79,852+38.6% |
| Participation rate | 46.7% | 61.6%-14.9pp | 69.0%-22.3pp | 69.6%-23.0pp |
| Annual return | 15.32% | 30.45%-15.1pp | 134.58%-119.3pp | 31.72%-16.4pp |
| Employer contribution / active EE | $1,295 | $1,247+3.9% | $2,122-39.0% | $2,471-47.6% |
| Participant deferral / active EE | $3,213 | $2,512+27.9% | $3,373-4.8% | $3,740-14.1% |
| Admin fee / account holder | $1,412 | $4,535-68.9% | $5,960-76.3% | $5,306-73.4% |