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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 | $109,943 | $82,879+32.7% | $96,576+13.8% | $67,986+61.7% |
| Participation rate | 46.3% | 75.2%-28.9pp | 81.4%-35.1pp | 57.2%-10.9pp |
| Annual return | 20.86% | 36.90%-16.0pp | 38.47%-17.6pp | 31.67%-10.8pp |
| Employer contribution / active EE | $1,961 | $2,727-28.1% | $3,553-44.8% | $2,019-2.9% |
| Participant deferral / active EE | $3,352 | $6,976-51.9% | $7,956-57.9% | $3,358-0.2% |
| Admin fee / account holder | $3,144 | $2,783+13.0% | $11,381-72.4% | $3,203-1.8% |