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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 | $107,627 | $41,016+162.4% | $152,093-29.2% | $64,097+67.9% |
| Participation rate | 40.3% | 51.3%-11.0pp | 77.8%-37.4pp | 55.2%-14.9pp |
| Annual return | 16.93% | 39.60%-22.7pp | 66.36%-49.4pp | 34.64%-17.7pp |
| Employer contribution / active EE | $1,052 | $1,342-21.6% | $4,175-74.8% | $1,891-44.4% |
| Participant deferral / active EE | $2,726 | $1,927+41.4% | $5,451-50.0% | $3,080-11.5% |
| Admin fee / account holder | $2,866 | $2,305+24.3% | $14,497-80.2% | $3,454-17.0% |