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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 | $93,352 | $60,349+54.7% | $74,184+25.8% | $62,881+48.5% |
| Participation rate | 40.9% | 72.7%-31.8pp | 76.6%-35.7pp | 69.3%-28.4pp |
| Annual return | 6.90% | 21.38%-14.5pp | 17.74%-10.8pp | 20.14%-13.2pp |
| Employer contribution / active EE | $841 | $1,680-49.9% | $2,370-64.5% | $2,281-63.1% |
| Participant deferral / active EE | $1,671 | $2,856-41.5% | $3,550-52.9% | $3,203-47.8% |
| Admin fee / account holder | $1,173 | $4,261-72.5% | $5,586-79.0% | $4,296-72.7% |