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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 | $101,898 | $57,140+78.3% | $85,240+19.5% | $80,959+25.9% |
| Participation rate | 34.8% | 56.4%-21.6pp | 67.5%-32.7pp | 67.7%-32.9pp |
| Annual return | 13.53% | 21.71%-8.2pp | 66.75%-53.2pp | 35.67%-22.1pp |
| Employer contribution / active EE | $1,125 | $1,802-37.6% | $2,735-58.9% | $2,757-59.2% |
| Participant deferral / active EE | $2,310 | $3,115-25.9% | $4,527-49.0% | $4,300-46.3% |
| Admin fee / account holder | $5,625 | $4,992+12.7% | $6,165-8.8% | $6,925-18.8% |