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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 | $78,548 | $76,551+2.6% | $123,894-36.6% | $62,881+24.9% |
| Participation rate | 48.3% | 73.0%-24.7pp | 81.4%-33.1pp | 69.3%-21.0pp |
| Annual return | 6.56% | 18.68%-12.1pp | 47.52%-41.0pp | 20.14%-13.6pp |
| Employer contribution / active EE | $7,666 | $2,882+166.0% | $4,617+66.0% | $2,281+236.1% |
| Participant deferral / active EE | $6,983 | $4,840+44.3% | $5,984+16.7% | $3,203+118.0% |
| Admin fee / account holder | $1,521 | $4,826-68.5% | $8,357-81.8% | $4,296-64.6% |