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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 | $67,894+45.7% | $89,340+10.7% | $82,448+20.0% |
| Participation rate | 45.6% | 64.0%-18.5pp | 69.6%-24.0pp | 68.1%-22.5pp |
| Annual return | 19.38% | 19.21%+0.2pp | 20.57%-1.2pp | 41.64%-22.3pp |
| Employer contribution / active EE | $1,883 | $1,828+3.0% | $2,231-15.6% | $2,551-26.2% |
| Participant deferral / active EE | $4,845 | $3,072+57.7% | $3,823+26.8% | $4,139+17.1% |
| Admin fee / account holder | $4,590 | $5,723-19.8% | $6,704-31.5% | $7,234-36.6% |