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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 | $129,075 | $106,524+21.2% | $152,301-15.3% | $87,485+47.5% |
| Participation rate | 21.4% | 75.8%-54.3pp | 82.4%-61.0pp | 68.9%-47.5pp |
| Annual return | 16.68% | 26.89%-10.2pp | 80.50%-63.8pp | 26.06%-9.4pp |
| Employer contribution / active EE | $944 | $3,371-72.0% | $4,624-79.6% | $2,596-63.7% |
| Participant deferral / active EE | $2,504 | $6,525-61.6% | $8,004-68.7% | $4,274-41.4% |
| Admin fee / account holder | $13,508 | $8,287+63.0% | $14,398-6.2% | $7,775+73.7% |