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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 | $97,763 | $80,138+22.0% | $130,231-24.9% | $71,511+36.7% |
| Participation rate | 27.2% | 71.0%-43.8pp | 76.3%-49.1pp | 67.9%-40.7pp |
| Annual return | 17.93% | 16.81%+1.1pp | 38.86%-20.9pp | 28.86%-10.9pp |
| Employer contribution / active EE | $1,495 | $2,834-47.2% | $4,126-63.8% | $2,589-42.3% |
| Participant deferral / active EE | $2,155 | $4,641-53.6% | $6,799-68.3% | $4,291-49.8% |
| Admin fee / account holder | $1,338 | $1,035+29.3% | $6,020-77.8% | $1,588-15.8% |