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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 | $93,275 | $76,407+22.1% | $150,298-37.9% | $82,448+13.1% |
| Participation rate | 44.9% | 66.4%-21.5pp | 77.8%-32.8pp | 68.1%-23.1pp |
| Annual return | 15.33% | 39.99%-24.7pp | 62.79%-47.5pp | 41.64%-26.3pp |
| Employer contribution / active EE | $993 | $2,614-62.0% | $4,154-76.1% | $2,551-61.1% |
| Participant deferral / active EE | $3,007 | $3,214-6.5% | $5,453-44.9% | $4,139-27.4% |
| Admin fee / account holder | $2,186 | $6,352-65.6% | $14,116-84.5% | $7,234-69.8% |