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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 | $111,209 | $81,358+36.7% | $155,556-28.5% | $80,959+37.4% |
| Participation rate | 40.0% | 66.3%-26.3pp | 78.2%-38.2pp | 67.7%-27.7pp |
| Annual return | 12.73% | 33.39%-20.7pp | 64.84%-52.1pp | 35.67%-22.9pp |
| Employer contribution / active EE | $1,492 | $3,106-52.0% | $4,675-68.1% | $2,757-45.9% |
| Participant deferral / active EE | $3,935 | $3,455+13.9% | $5,631-30.1% | $4,300-8.5% |
| Admin fee / account holder | $889 | $7,994-88.9% | $15,885-94.4% | $6,925-87.2% |