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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 | $77,896+17.1% | $134,172-32.0% | $82,448+10.6% |
| Participation rate | 38.2% | 62.8%-24.6pp | 72.5%-34.2pp | 68.1%-29.8pp |
| Annual return | 14.10% | 18.21%-4.1pp | 25.30%-11.2pp | 41.64%-27.5pp |
| Employer contribution / active EE | $708 | $2,159-67.2% | $3,420-79.3% | $2,551-72.3% |
| Participant deferral / active EE | $1,511 | $3,162-52.2% | $4,690-67.8% | $4,139-63.5% |
| Admin fee / account holder | $4,790 | $6,336-24.4% | $12,016-60.1% | $7,234-33.8% |