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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 | $106,442 | $80,983+31.4% | $96,544+10.3% | $75,177+41.6% |
| Participation rate | 44.6% | 71.8%-27.1pp | 76.0%-31.3pp | 67.2%-22.6pp |
| Annual return | 15.42% | 27.05%-11.6pp | 25.88%-10.5pp | 160.75%-145.3pp |
| Employer contribution / active EE | $1,121 | $2,282-50.9% | $2,966-62.2% | $2,671-58.0% |
| Participant deferral / active EE | $1,997 | $3,929-49.2% | $4,851-58.8% | $4,126-51.6% |
| Admin fee / account holder | $6,223 | $6,717-7.3% | $8,254-24.6% | $5,651+10.1% |