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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 | $109,433 | $77,962+40.4% | $178,540-38.7% | $80,935+35.2% |
| Participation rate | 57.1% | 65.7%-8.5pp | 77.1%-20.0pp | 67.7%-10.5pp |
| Annual return | 12.73% | 18.10%-5.4pp | 27.15%-14.4pp | 35.66%-22.9pp |
| Employer contribution / active EE | $1,919 | $2,280-15.8% | $3,953-51.5% | $2,757-30.4% |
| Participant deferral / active EE | $3,766 | $4,404-14.5% | $6,281-40.0% | $4,299-12.4% |
| Admin fee / account holder | $3,808 | $7,156-46.8% | $10,424-63.5% | $6,924-45.0% |