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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 | $107,275 | $65,034+65.0% | $90,970+17.9% | $79,856+34.3% |
| Participation rate | 40.5% | 61.6%-21.1pp | 69.0%-28.5pp | 69.6%-29.1pp |
| Annual return | 12.98% | 30.45%-17.5pp | 134.60%-121.6pp | 31.71%-18.7pp |
| Employer contribution / active EE | $1,285 | $1,247+3.0% | $2,122-39.4% | $2,471-48.0% |
| Participant deferral / active EE | $2,873 | $2,512+14.3% | $3,373-14.8% | $3,741-23.2% |
| Admin fee / account holder | $2,087 | $4,536-54.0% | $5,961-65.0% | $5,306-60.7% |