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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 | $100,943 | $91,760+10.0% | $156,181-35.4% | $67,986+48.5% |
| Participation rate | 46.4% | 65.0%-18.6pp | 78.8%-32.4pp | 57.2%-10.8pp |
| Annual return | 14.72% | 18.14%-3.4pp | 64.87%-50.1pp | 31.67%-16.9pp |
| Employer contribution / active EE | $1,667 | $2,419-31.1% | $4,294-61.2% | $2,019-17.4% |
| Participant deferral / active EE | $3,394 | $3,960-14.3% | $6,132-44.7% | $3,358+1.1% |
| Admin fee / account holder | $8,922 | $3,949+125.9% | $14,586-38.8% | $3,203+178.5% |