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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 | $85,617 | $81,331+5.3% | $155,534-45.0% | $80,935+5.8% |
| Participation rate | 27.2% | 66.3%-39.1pp | 78.2%-51.0pp | 67.7%-40.5pp |
| Annual return | 12.11% | 33.37%-21.3pp | 64.92%-52.8pp | 35.66%-23.5pp |
| Employer contribution / active EE | $809 | $3,105-73.9% | $4,675-82.7% | $2,757-70.6% |
| Participant deferral / active EE | $2,089 | $3,454-39.5% | $5,630-62.9% | $4,299-51.4% |
| Admin fee / account holder | $1,483 | $7,999-81.5% | $15,900-90.7% | $6,924-78.6% |