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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 | $115,354 | $80,983+42.4% | $96,544+19.5% | $75,177+53.4% |
| Participation rate | 56.4% | 71.8%-15.4pp | 76.0%-19.6pp | 67.2%-10.8pp |
| Annual return | 12.94% | 27.05%-14.1pp | 25.88%-12.9pp | 160.75%-147.8pp |
| Employer contribution / active EE | $1,730 | $2,282-24.2% | $2,966-41.7% | $2,671-35.2% |
| Participant deferral / active EE | $4,990 | $3,929+27.0% | $4,851+2.8% | $4,126+20.9% |
| Admin fee / account holder | $2,803 | $6,717-58.3% | $8,254-66.0% | $5,651-50.4% |