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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 | $91,197 | $81,403+12.0% | $147,027-38.0% | $87,485+4.2% |
| Participation rate | 38.2% | 63.4%-25.2pp | 73.7%-35.5pp | 68.9%-30.7pp |
| Annual return | 14.10% | 16.51%-2.4pp | 20.23%-6.1pp | 26.06%-12.0pp |
| Employer contribution / active EE | $708 | $2,205-67.9% | $3,626-80.5% | $2,596-72.7% |
| Participant deferral / active EE | $1,511 | $3,315-54.4% | $4,933-69.4% | $4,274-64.6% |
| Admin fee / account holder | $4,790 | $6,755-29.1% | $12,223-60.8% | $7,775-38.4% |