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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 | $96,381 | $67,602+42.6% | $82,312+17.1% | $70,126+37.4% |
| Participation rate | 54.0% | 72.8%-18.8pp | 76.9%-22.9pp | 69.5%-15.6pp |
| Annual return | 17.91% | 21.57%-3.7pp | 25.88%-8.0pp | 73.15%-55.2pp |
| Employer contribution / active EE | $1,650 | $1,755-6.0% | $2,428-32.1% | $2,343-29.6% |
| Participant deferral / active EE | $4,805 | $2,987+60.8% | $3,706+29.6% | $3,332+44.2% |
| Admin fee / account holder | $2,103 | $4,512-53.4% | $5,608-62.5% | $4,645-54.7% |