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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 | $94,474 | $76,834+23.0% | $108,359-12.8% | $87,485+8.0% |
| Participation rate | 30.6% | 61.7%-31.1pp | 70.1%-39.5pp | 68.9%-38.3pp |
| Annual return | 15.73% | 19.09%-3.4pp | 36.89%-21.2pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,723 | $1,556+10.7% | $2,399-28.2% | $2,596-33.6% |
| Participant deferral / active EE | $4,027 | $3,100+29.9% | $4,137-2.7% | $4,274-5.8% |
| Admin fee / account holder | $3,768 | $6,537-42.4% | $9,741-61.3% | $7,775-51.5% |