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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 | $81,262+36.9% | $155,602-28.5% | $80,911+37.4% |
| Participation rate | 40.0% | 66.2%-26.2pp | 78.2%-38.2pp | 67.6%-27.6pp |
| Annual return | 12.73% | 33.34%-20.6pp | 64.81%-52.1pp | 35.63%-22.9pp |
| Employer contribution / active EE | $1,492 | $3,102-51.9% | $4,675-68.1% | $2,756-45.9% |
| Participant deferral / active EE | $3,935 | $3,451+14.0% | $5,629-30.1% | $4,297-8.4% |
| Admin fee / account holder | $889 | $7,992-88.9% | $15,923-94.4% | $6,935-87.2% |