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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 | $88,360+19.5% | $145,433-27.4% | $67,986+55.3% |
| Participation rate | 38.3% | 65.5%-27.2pp | 82.1%-43.8pp | 57.2%-18.9pp |
| Annual return | 26.56% | 63.15%-36.6pp | 66.58%-40.0pp | 31.67%-5.1pp |
| Employer contribution / active EE | $2,847 | $3,054-6.8% | $4,554-37.5% | $2,019+41.0% |
| Participant deferral / active EE | $6,751 | $5,932+13.8% | $7,897-14.5% | $3,358+101.0% |
| Admin fee / account holder | $2,710 | $3,313-18.2% | $13,129-79.4% | $3,203-15.4% |