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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 | $108,589 | $87,059+24.7% | $105,608+2.8% | $80,925+34.2% |
| Participation rate | 58.3% | 70.4%-12.1pp | 75.3%-17.0pp | 67.7%-9.3pp |
| Annual return | 12.72% | 17.05%-4.3pp | 116.50%-103.8pp | 35.65%-22.9pp |
| Employer contribution / active EE | $1,528 | $2,396-36.2% | $3,167-51.7% | $2,756-44.5% |
| Participant deferral / active EE | $3,345 | $3,986-16.1% | $5,010-33.2% | $4,299-22.2% |
| Admin fee / account holder | $5,735 | $8,443-32.1% | $11,028-48.0% | $6,940-17.4% |