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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 | $95,145 | $57,590+65.2% | $86,233+10.3% | $82,448+15.4% |
| Participation rate | 44.4% | 57.9%-13.4pp | 69.0%-24.6pp | 68.1%-23.6pp |
| Annual return | 15.37% | 22.41%-7.0pp | 61.39%-46.0pp | 41.64%-26.3pp |
| Employer contribution / active EE | $1,794 | $1,655+8.4% | $2,504-28.4% | $2,551-29.7% |
| Participant deferral / active EE | $4,525 | $3,080+46.9% | $4,559-0.8% | $4,139+9.3% |
| Admin fee / account holder | $17,765 | $4,730+275.6% | $8,342+113.0% | $7,234+145.6% |