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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 | $108,485 | $76,407+42.0% | $150,298-27.8% | $82,448+31.6% |
| Participation rate | 63.2% | 66.4%-3.2pp | 77.8%-14.6pp | 68.1%-4.9pp |
| Annual return | 18.92% | 39.99%-21.1pp | 62.79%-43.9pp | 41.64%-22.7pp |
| Employer contribution / active EE | $1,948 | $2,614-25.5% | $4,154-53.1% | $2,551-23.6% |
| Participant deferral / active EE | $4,639 | $3,214+44.3% | $5,453-14.9% | $4,139+12.1% |
| Admin fee / account holder | $825 | $6,352-87.0% | $14,116-94.2% | $7,234-88.6% |