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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 | $108,728 | $68,880+57.9% | $120,580-9.8% | $80,959+34.3% |
| Participation rate | 48.4% | 61.7%-13.3pp | 72.0%-23.6pp | 67.7%-19.3pp |
| Annual return | 12.50% | 23.68%-11.2pp | 107.48%-95.0pp | 35.67%-23.2pp |
| Employer contribution / active EE | $2,318 | $2,066+12.2% | $3,469-33.2% | $2,757-15.9% |
| Participant deferral / active EE | $4,668 | $3,191+46.3% | $4,995-6.6% | $4,300+8.5% |
| Admin fee / account holder | $1,007 | $5,785-82.6% | $9,418-89.3% | $6,925-85.5% |