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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 | $101,645 | $81,262+25.1% | $155,602-34.7% | $80,911+25.6% |
| Participation rate | 45.7% | 66.2%-20.5pp | 78.2%-32.5pp | 67.6%-21.9pp |
| Annual return | 13.17% | 33.34%-20.2pp | 64.81%-51.6pp | 35.63%-22.5pp |
| Employer contribution / active EE | $2,431 | $3,102-21.6% | $4,675-48.0% | $2,756-11.8% |
| Participant deferral / active EE | $4,930 | $3,451+42.9% | $5,629-12.4% | $4,297+14.7% |
| Admin fee / account holder | $2,951 | $7,992-63.1% | $15,923-81.5% | $6,935-57.4% |