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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 | $103,915 | $86,938+19.5% | $102,423+1.5% | $80,925+28.4% |
| Participation rate | 36.0% | 72.4%-36.3pp | 76.5%-40.5pp | 67.7%-31.6pp |
| Annual return | 16.84% | 18.89%-2.0pp | 29.42%-12.6pp | 35.65%-18.8pp |
| Employer contribution / active EE | $1,244 | $2,369-47.5% | $3,023-58.8% | $2,756-54.9% |
| Participant deferral / active EE | $2,370 | $4,120-42.5% | $5,054-53.1% | $4,299-44.9% |
| Admin fee / account holder | $6,738 | $8,053-16.3% | $9,455-28.7% | $6,940-2.9% |