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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 | $113,824 | $56,894+100.1% | $84,753+34.3% | $62,881+81.0% |
| Participation rate | 52.6% | 68.5%-16.0pp | 76.6%-24.0pp | 69.3%-16.7pp |
| Annual return | 7.69% | 6.30%+1.4pp | 22.78%-15.1pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,376 | $2,400-42.7% | $3,574-61.5% | $2,281-39.7% |
| Participant deferral / active EE | $3,542 | $2,709+30.7% | $3,712-4.6% | $3,203+10.6% |
| Admin fee / account holder | $12,136 | $3,581+238.9% | $5,333+127.6% | $4,296+182.5% |