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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 | $98,942 | $72,607+36.3% | $90,259+9.6% | $87,485+13.1% |
| Participation rate | 45.6% | 64.8%-19.2pp | 70.7%-25.2pp | 68.9%-23.4pp |
| Annual return | 19.38% | 18.59%+0.8pp | 18.88%+0.5pp | 26.06%-6.7pp |
| Employer contribution / active EE | $1,883 | $1,919-1.9% | $2,291-17.8% | $2,596-27.5% |
| Participant deferral / active EE | $4,845 | $3,055+58.6% | $3,827+26.6% | $4,274+13.4% |
| Admin fee / account holder | $4,590 | $5,947-22.8% | $7,267-36.8% | $7,775-41.0% |