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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 | $112,885 | $80,332+40.5% | $107,187+5.3% | $64,097+76.1% |
| Participation rate | 32.0% | 54.4%-22.4pp | 75.0%-43.0pp | 55.2%-23.2pp |
| Annual return | 17.57% | 24.26%-6.7pp | 204.55%-187.0pp | 34.64%-17.1pp |
| Employer contribution / active EE | $2,399 | $2,501-4.1% | $3,782-36.6% | $1,891+26.9% |
| Participant deferral / active EE | $4,655 | $3,109+49.7% | $5,096-8.6% | $3,080+51.2% |
| Admin fee / account holder | $1,620 | $4,314-62.4% | $9,162-82.3% | $3,454-53.1% |