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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 | $93,423 | $63,949+46.1% | $129,031-27.6% | $94,015-0.6% |
| Participation rate | 44.0% | 63.4%-19.5pp | 73.4%-29.4pp | 70.8%-26.9pp |
| Annual return | 17.33% | 17.56%-0.2pp | 34.67%-17.3pp | 17.84%-0.5pp |
| Employer contribution / active EE | $1,224 | $1,865-34.3% | $3,226-62.1% | $2,790-56.1% |
| Participant deferral / active EE | $2,356 | $3,686-36.1% | $5,217-54.8% | $4,249-44.6% |
| Admin fee / account holder | $4,466 | $5,523-19.1% | $13,208-66.2% | $8,951-50.1% |