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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 | $105,613 | $76,642+37.8% | $146,866-28.1% | $65,306+61.7% |
| Participation rate | 38.3% | 61.2%-22.9pp | 82.5%-44.2pp | 57.7%-19.4pp |
| Annual return | 26.56% | 33.40%-6.8pp | 102.85%-76.3pp | 21.94%+4.6pp |
| Employer contribution / active EE | $2,847 | $2,621+8.7% | $4,425-35.7% | $1,967+44.7% |
| Participant deferral / active EE | $6,751 | $4,864+38.8% | $7,759-13.0% | $2,959+128.1% |
| Admin fee / account holder | $2,710 | $3,960-31.6% | $13,620-80.1% | $3,480-22.1% |