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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 | $101,936 | $78,015+30.7% | $178,505-42.9% | $80,959+25.9% |
| Participation rate | 63.2% | 65.7%-2.5pp | 77.1%-14.0pp | 67.7%-4.5pp |
| Annual return | 14.61% | 18.10%-3.5pp | 27.16%-12.5pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,262 | $2,281-44.7% | $3,955-68.1% | $2,757-54.2% |
| Participant deferral / active EE | $4,862 | $4,406+10.4% | $6,280-22.6% | $4,300+13.1% |
| Admin fee / account holder | $4,097 | $7,160-42.8% | $10,428-60.7% | $6,925-40.8% |