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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 | $100,223 | $81,358+23.2% | $155,556-35.6% | $80,959+23.8% |
| Participation rate | 44.7% | 66.3%-21.6pp | 78.2%-33.5pp | 67.7%-23.0pp |
| Annual return | 16.62% | 33.39%-16.8pp | 64.84%-48.2pp | 35.67%-19.0pp |
| Employer contribution / active EE | $2,809 | $3,106-9.6% | $4,675-39.9% | $2,757+1.9% |
| Participant deferral / active EE | $5,981 | $3,455+73.1% | $5,631+6.2% | $4,300+39.1% |
| Admin fee / account holder | $6,696 | $7,994-16.2% | $15,885-57.8% | $6,925-3.3% |