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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 | $75,541+43.6% | $152,093-28.7% | $82,637+31.3% |
| Participation rate | 63.2% | 66.5%-3.4pp | 77.8%-14.6pp | 68.1%-4.9pp |
| Annual return | 18.92% | 32.56%-13.6pp | 66.36%-47.4pp | 53.51%-34.6pp |
| Employer contribution / active EE | $1,948 | $2,622-25.7% | $4,175-53.3% | $2,552-23.7% |
| Participant deferral / active EE | $4,639 | $3,206+44.7% | $5,451-14.9% | $4,126+12.4% |
| Admin fee / account holder | $825 | $6,405-87.1% | $14,497-94.3% | $7,339-88.8% |