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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 | $79,867+30.0% | $120,344-13.7% | $64,340+61.3% |
| Participation rate | 57.4% | 63.0%-5.5pp | 76.7%-19.3pp | 55.2%+2.2pp |
| Annual return | 13.70% | 21.10%-7.4pp | 20.30%-6.6pp | 24.14%-10.4pp |
| Employer contribution / active EE | $1,544 | $1,925-19.8% | $3,020-48.9% | $1,862-17.1% |
| Participant deferral / active EE | $4,411 | $3,593+22.8% | $5,135-14.1% | $2,980+48.0% |
| Admin fee / account holder | $17,979 | $5,039+256.8% | $12,742+41.1% | $3,703+385.6% |