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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 | $104,350 | $76,407+36.6% | $150,298-30.6% | $82,448+26.6% |
| Participation rate | 41.1% | 66.4%-25.3pp | 77.8%-36.7pp | 68.1%-27.0pp |
| Annual return | 15.58% | 39.99%-24.4pp | 62.79%-47.2pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,457 | $2,614-44.3% | $4,154-64.9% | $2,551-42.9% |
| Participant deferral / active EE | $4,250 | $3,214+32.2% | $5,453-22.0% | $4,139+2.7% |
| Admin fee / account holder | $3,237 | $6,352-49.0% | $14,116-77.1% | $7,234-55.3% |