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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 | $112,344 | $81,504+37.8% | $102,437+9.7% | $80,959+38.8% |
| Participation rate | 43.5% | 66.9%-23.4pp | 74.5%-31.0pp | 67.7%-24.2pp |
| Annual return | 25.06% | 25.60%-0.5pp | 24.95%+0.1pp | 35.67%-10.6pp |
| Employer contribution / active EE | $3,505 | $3,104+12.9% | $3,871-9.5% | $2,757+27.1% |
| Participant deferral / active EE | $3,909 | $3,871+1.0% | $5,060-22.7% | $4,300-9.1% |
| Admin fee / account holder | $11,216 | $6,719+66.9% | $8,388+33.7% | $6,925+62.0% |