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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 | $111,829 | $81,487+37.2% | $102,412+9.2% | $80,935+38.2% |
| Participation rate | 55.2% | 66.8%-11.7pp | 74.5%-19.3pp | 67.7%-12.5pp |
| Annual return | 12.90% | 25.60%-12.7pp | 24.94%-12.0pp | 35.66%-22.8pp |
| Employer contribution / active EE | $2,255 | $3,103-27.3% | $3,870-41.7% | $2,757-18.2% |
| Participant deferral / active EE | $4,966 | $3,871+28.3% | $5,060-1.9% | $4,299+15.5% |
| Admin fee / account holder | $6,522 | $6,717-2.9% | $8,388-22.2% | $6,924-5.8% |