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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 | $106,282 | $51,708+105.5% | $106,619-0.3% | $62,881+69.0% |
| Participation rate | 48.3% | 66.9%-18.6pp | 78.0%-29.7pp | 69.3%-21.0pp |
| Annual return | 6.50% | 4.69%+1.8pp | 9.42%-2.9pp | 20.14%-13.6pp |
| Employer contribution / active EE | $1,387 | $1,764-21.4% | $3,947-64.9% | $2,281-39.2% |
| Participant deferral / active EE | $2,297 | $2,315-0.8% | $3,930-41.5% | $3,203-28.3% |
| Admin fee / account holder | $495 | $3,349-85.2% | $6,418-92.3% | $4,296-88.5% |