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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 | $118,935 | $81,358+46.2% | $155,556-23.5% | $80,959+46.9% |
| Participation rate | 36.1% | 66.3%-30.2pp | 78.2%-42.1pp | 67.7%-31.6pp |
| Annual return | 17.84% | 33.39%-15.6pp | 64.84%-47.0pp | 35.67%-17.8pp |
| Employer contribution / active EE | $2,395 | $3,106-22.9% | $4,675-48.8% | $2,757-13.1% |
| Participant deferral / active EE | $4,598 | $3,455+33.1% | $5,631-18.3% | $4,300+6.9% |
| Admin fee / account holder | $4,287 | $7,994-46.4% | $15,885-73.0% | $6,925-38.1% |