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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 | $103,006 | $81,446+26.5% | $103,374-0.4% | $80,874+27.4% |
| Participation rate | 48.0% | 66.9%-18.9pp | 74.5%-26.5pp | 67.6%-19.6pp |
| Annual return | 12.79% | 25.57%-12.8pp | 24.89%-12.1pp | 35.62%-22.8pp |
| Employer contribution / active EE | $4,717 | $3,107+51.8% | $3,869+21.9% | $2,756+71.2% |
| Participant deferral / active EE | $2,398 | $3,870-38.0% | $5,058-52.6% | $4,297-44.2% |
| Admin fee / account holder | $9,611 | $6,715+43.1% | $8,394+14.5% | $6,935+38.6% |