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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 | $85,515+21.4% | $112,040-7.4% | $67,986+52.7% |
| Participation rate | 57.4% | 68.2%-10.8pp | 76.5%-19.1pp | 57.2%+0.2pp |
| Annual return | 13.70% | 29.68%-16.0pp | 24.52%-10.8pp | 31.67%-18.0pp |
| Employer contribution / active EE | $1,544 | $2,191-29.5% | $2,954-47.7% | $2,019-23.5% |
| Participant deferral / active EE | $4,411 | $4,014+9.9% | $5,098-13.5% | $3,358+31.4% |
| Admin fee / account holder | $17,979 | $3,774+376.4% | $12,098+48.6% | $3,203+461.3% |