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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 | $83,002+32.5% | $98,090+12.1% | $64,097+71.5% |
| Participation rate | 46.3% | 75.0%-28.7pp | 81.5%-35.3pp | 55.2%-8.9pp |
| Annual return | 20.86% | 38.51%-17.6pp | 37.05%-16.2pp | 34.64%-13.8pp |
| Employer contribution / active EE | $1,961 | $2,749-28.7% | $3,606-45.6% | $1,891+3.7% |
| Participant deferral / active EE | $3,352 | $6,787-50.6% | $7,845-57.3% | $3,080+8.8% |
| Admin fee / account holder | $3,144 | $3,015+4.3% | $11,815-73.4% | $3,454-9.0% |