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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 | $93,272 | $56,894+63.9% | $84,753+10.1% | $62,881+48.3% |
| Participation rate | 41.5% | 68.5%-27.1pp | 76.6%-35.1pp | 69.3%-27.8pp |
| Annual return | 7.38% | 6.30%+1.1pp | 22.78%-15.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,058 | $2,400-55.9% | $3,574-70.4% | $2,281-53.6% |
| Participant deferral / active EE | $1,982 | $2,709-26.8% | $3,712-46.6% | $3,203-38.1% |
| Admin fee / account holder | $4,538 | $3,581+26.7% | $5,333-14.9% | $4,296+5.6% |