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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 | $58,057+63.9% | $97,032-1.9% | $86,983+9.4% |
| Participation rate | 44.4% | 60.4%-15.9pp | 71.6%-27.1pp | 69.5%-25.1pp |
| Annual return | 15.37% | 22.26%-6.9pp | 35.38%-20.0pp | 25.83%-10.5pp |
| Employer contribution / active EE | $1,794 | $1,663+7.8% | $2,629-31.8% | $2,584-30.6% |
| Participant deferral / active EE | $4,525 | $3,244+39.5% | $4,672-3.2% | $4,194+7.9% |
| Admin fee / account holder | $17,765 | $4,839+267.1% | $9,418+88.6% | $7,856+126.1% |