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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 | $99,054 | $78,027+26.9% | $178,528-44.5% | $80,925+22.4% |
| Participation rate | 38.5% | 65.7%-27.2pp | 77.1%-38.6pp | 67.7%-29.2pp |
| Annual return | 26.09% | 18.09%+8.0pp | 27.11%-1.0pp | 35.65%-9.6pp |
| Employer contribution / active EE | $4,280 | $2,281+87.6% | $3,950+8.3% | $2,756+55.3% |
| Participant deferral / active EE | $1,443 | $4,408-67.3% | $6,278-77.0% | $4,299-66.4% |
| Admin fee / account holder | $2,803 | $7,168-60.9% | $10,419-73.1% | $6,940-59.6% |