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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 | $107,606 | $76,407+40.8% | $150,298-28.4% | $82,448+30.5% |
| Participation rate | 58.2% | 66.4%-8.2pp | 77.8%-19.5pp | 68.1%-9.8pp |
| Annual return | 19.95% | 39.99%-20.0pp | 62.79%-42.8pp | 41.64%-21.7pp |
| Employer contribution / active EE | $3,287 | $2,614+25.8% | $4,154-20.9% | $2,551+28.9% |
| Participant deferral / active EE | $3,562 | $3,214+10.8% | $5,453-34.7% | $4,139-13.9% |
| Admin fee / account holder | $3,376 | $6,352-46.8% | $14,116-76.1% | $7,234-53.3% |