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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 | $93,363 | $65,034+43.6% | $90,970+2.6% | $79,856+16.9% |
| Participation rate | 38.5% | 61.6%-23.2pp | 69.0%-30.6pp | 69.6%-31.2pp |
| Annual return | 10.80% | 30.45%-19.7pp | 134.60%-123.8pp | 31.71%-20.9pp |
| Employer contribution / active EE | $1,440 | $1,247+15.5% | $2,122-32.1% | $2,471-41.7% |
| Participant deferral / active EE | $3,085 | $2,512+22.8% | $3,373-8.5% | $3,741-17.5% |
| Admin fee / account holder | $4,196 | $4,536-7.5% | $5,961-29.6% | $5,306-20.9% |