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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 | $104,386 | $73,787+41.5% | $98,716+5.7% | $82,448+26.6% |
| Participation rate | 53.2% | 61.4%-8.2pp | 69.3%-16.1pp | 68.1%-14.9pp |
| Annual return | 15.76% | 18.57%-2.8pp | 31.81%-16.1pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,187 | $1,511-21.4% | $2,279-47.9% | $2,551-53.5% |
| Participant deferral / active EE | $3,011 | $3,081-2.3% | $4,048-25.6% | $4,139-27.3% |
| Admin fee / account holder | $7,656 | $6,500+17.8% | $8,703-12.0% | $7,234+5.8% |