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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 | $111,361 | $86,949+28.1% | $102,460+8.7% | $80,959+37.6% |
| Participation rate | 43.8% | 72.4%-28.5pp | 76.5%-32.7pp | 67.7%-23.8pp |
| Annual return | 11.65% | 18.89%-7.2pp | 29.47%-17.8pp | 35.67%-24.0pp |
| Employer contribution / active EE | $1,427 | $2,370-39.8% | $3,025-52.8% | $2,757-48.2% |
| Participant deferral / active EE | $2,581 | $4,121-37.4% | $5,056-48.9% | $4,300-40.0% |
| Admin fee / account holder | $8,666 | $8,048+7.7% | $9,460-8.4% | $6,925+25.1% |