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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 | $108,006 | $81,504+32.5% | $102,437+5.4% | $80,959+33.4% |
| Participation rate | 51.1% | 66.9%-15.7pp | 74.5%-23.4pp | 67.7%-16.6pp |
| Annual return | 15.64% | 25.60%-10.0pp | 24.95%-9.3pp | 35.67%-20.0pp |
| Employer contribution / active EE | $1,390 | $3,104-55.2% | $3,871-64.1% | $2,757-49.6% |
| Participant deferral / active EE | $3,034 | $3,871-21.6% | $5,060-40.0% | $4,300-29.4% |
| Admin fee / account holder | $5,795 | $6,719-13.8% | $8,388-30.9% | $6,925-16.3% |