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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 | $117,733 | $71,197+65.4% | $93,669+25.7% | $80,925+45.5% |
| Participation rate | 48.3% | 60.4%-12.1pp | 68.7%-20.4pp | 67.7%-19.4pp |
| Annual return | 13.72% | 11.27%+2.4pp | 133.59%-119.9pp | 35.65%-21.9pp |
| Employer contribution / active EE | $1,129 | $1,565-27.9% | $2,424-53.4% | $2,756-59.1% |
| Participant deferral / active EE | $4,749 | $4,036+17.7% | $4,416+7.5% | $4,299+10.5% |
| Admin fee / account holder | $9,856 | $6,959+41.6% | $8,291+18.9% | $6,940+42.0% |