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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 | $116,923 | $56,894+105.5% | $84,753+38.0% | $62,881+85.9% |
| Participation rate | 45.9% | 68.5%-22.6pp | 76.6%-30.6pp | 69.3%-23.4pp |
| Annual return | 8.19% | 6.30%+1.9pp | 22.78%-14.6pp | 20.14%-12.0pp |
| Employer contribution / active EE | $1,056 | $2,400-56.0% | $3,574-70.5% | $2,281-53.7% |
| Participant deferral / active EE | $2,552 | $2,709-5.8% | $3,712-31.2% | $3,203-20.3% |
| Admin fee / account holder | $2,713 | $3,581-24.2% | $5,333-49.1% | $4,296-36.8% |