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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 | $104,437 | $80,705+29.4% | $115,768-9.8% | $67,986+53.6% |
| Participation rate | 43.7% | 63.0%-19.3pp | 74.4%-30.7pp | 57.2%-13.6pp |
| Annual return | 17.35% | 18.49%-1.1pp | 100.46%-83.1pp | 31.67%-14.3pp |
| Employer contribution / active EE | $1,028 | $2,046-49.8% | $2,940-65.0% | $2,019-49.1% |
| Participant deferral / active EE | $2,272 | $3,559-36.2% | $4,917-53.8% | $3,358-32.3% |
| Admin fee / account holder | $4,442 | $4,135+7.4% | $12,439-64.3% | $3,203+38.7% |