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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 | $116,932 | $79,961+46.2% | $98,462+18.8% | $75,177+55.5% |
| Participation rate | 45.8% | 70.4%-24.5pp | 75.2%-29.3pp | 67.2%-21.4pp |
| Annual return | 15.44% | 19.75%-4.3pp | 21.17%-5.7pp | 160.75%-145.3pp |
| Employer contribution / active EE | $1,582 | $2,264-30.2% | $3,049-48.1% | $2,671-40.8% |
| Participant deferral / active EE | $3,445 | $3,753-8.2% | $4,738-27.3% | $4,126-16.5% |
| Admin fee / account holder | $686 | $6,842-90.0% | $8,875-92.3% | $5,651-87.9% |