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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 | $89,421 | $81,487+9.7% | $102,412-12.7% | $80,935+10.5% |
| Participation rate | 42.2% | 66.8%-24.7pp | 74.5%-32.3pp | 67.7%-25.5pp |
| Annual return | 13.17% | 25.60%-12.4pp | 24.94%-11.8pp | 35.66%-22.5pp |
| Employer contribution / active EE | $1,503 | $3,103-51.6% | $3,870-61.2% | $2,757-45.5% |
| Participant deferral / active EE | $3,474 | $3,871-10.2% | $5,060-31.3% | $4,299-19.2% |
| Admin fee / account holder | $1,212 | $6,717-82.0% | $8,388-85.5% | $6,924-82.5% |