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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 | $95,317 | $86,949+9.6% | $102,460-7.0% | $80,959+17.7% |
| Participation rate | 43.1% | 72.4%-29.3pp | 76.5%-33.4pp | 67.7%-24.6pp |
| Annual return | 26.34% | 18.89%+7.4pp | 29.47%-3.1pp | 35.67%-9.3pp |
| Employer contribution / active EE | $1,492 | $2,370-37.0% | $3,025-50.7% | $2,757-45.9% |
| Participant deferral / active EE | $2,366 | $4,121-42.6% | $5,056-53.2% | $4,300-45.0% |
| Admin fee / account holder | $10,690 | $8,048+32.8% | $9,460+13.0% | $6,925+54.4% |