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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 | $106,484 | $71,230+49.5% | $93,727+13.6% | $80,959+31.5% |
| Participation rate | 41.2% | 60.4%-19.2pp | 68.7%-27.5pp | 67.7%-26.5pp |
| Annual return | 15.67% | 11.26%+4.4pp | 133.83%-118.2pp | 35.67%-20.0pp |
| Employer contribution / active EE | $1,812 | $1,565+15.8% | $2,421-25.2% | $2,757-34.3% |
| Participant deferral / active EE | $3,472 | $4,037-14.0% | $4,417-21.4% | $4,300-19.3% |
| Admin fee / account holder | $3,408 | $6,961-51.0% | $8,292-58.9% | $6,925-50.8% |