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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 | $100,550 | $56,894+76.7% | $84,753+18.6% | $62,881+59.9% |
| Participation rate | 51.7% | 68.5%-16.8pp | 76.6%-24.9pp | 69.3%-17.6pp |
| Annual return | 7.32% | 6.30%+1.0pp | 22.78%-15.5pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,811 | $2,400-24.5% | $3,574-49.3% | $2,281-20.6% |
| Participant deferral / active EE | $3,218 | $2,709+18.8% | $3,712-13.3% | $3,203+0.5% |
| Admin fee / account holder | $3,685 | $3,581+2.9% | $5,333-30.9% | $4,296-14.2% |