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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 | $81,276+23.3% | $155,574-35.6% | $80,925+23.8% |
| Participation rate | 44.7% | 66.2%-21.6pp | 78.2%-33.5pp | 67.7%-23.0pp |
| Annual return | 16.62% | 33.36%-16.7pp | 64.87%-48.2pp | 35.65%-19.0pp |
| Employer contribution / active EE | $2,809 | $3,103-9.5% | $4,676-39.9% | $2,756+1.9% |
| Participant deferral / active EE | $5,981 | $3,453+73.2% | $5,629+6.2% | $4,299+39.1% |
| Admin fee / account holder | $6,696 | $7,993-16.2% | $15,914-57.9% | $6,940-3.5% |