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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 | $108,951 | $81,504+33.7% | $102,437+6.4% | $80,959+34.6% |
| Participation rate | 54.5% | 66.9%-12.3pp | 74.5%-20.0pp | 67.7%-13.1pp |
| Annual return | 11.74% | 25.60%-13.9pp | 24.95%-13.2pp | 35.67%-23.9pp |
| Employer contribution / active EE | $1,437 | $3,104-53.7% | $3,871-62.9% | $2,757-47.9% |
| Participant deferral / active EE | $3,994 | $3,871+3.2% | $5,060-21.1% | $4,300-7.1% |
| Admin fee / account holder | $978 | $6,719-85.5% | $8,388-88.3% | $6,925-85.9% |