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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 | $103,798 | $95,084+9.2% | $140,514-26.1% | $69,733+48.9% |
| Participation rate | 57.4% | 68.7%-11.3pp | 77.8%-20.4pp | 62.5%-5.0pp |
| Annual return | 13.70% | 18.56%-4.9pp | 14.36%-0.7pp | 15.22%-1.5pp |
| Employer contribution / active EE | $1,544 | $2,405-35.8% | $3,378-54.3% | $2,250-31.4% |
| Participant deferral / active EE | $4,411 | $3,868+14.0% | $4,919-10.3% | $3,054+44.4% |
| Admin fee / account holder | $17,979 | $4,885+268.1% | $13,697+31.3% | $3,102+479.6% |