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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 | $108,729 | $56,054+94.0% | $171,082-36.4% | $62,881+72.9% |
| Participation rate | 58.7% | 62.9%-4.2pp | 76.7%-18.0pp | 69.3%-10.6pp |
| Annual return | 6.06% | 22.52%-16.5pp | 32.56%-26.5pp | 20.14%-14.1pp |
| Employer contribution / active EE | $1,439 | $1,731-16.9% | $4,002-64.0% | $2,281-36.9% |
| Participant deferral / active EE | $5,578 | $3,158+76.6% | $4,797+16.3% | $3,203+74.1% |
| Admin fee / account holder | $4,001 | $3,647+9.7% | $8,520-53.0% | $4,296-6.9% |