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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 | $89,188 | $88,360+0.9% | $145,433-38.7% | $67,986+31.2% |
| Participation rate | 37.1% | 65.5%-28.4pp | 82.1%-45.1pp | 57.2%-20.1pp |
| Annual return | 15.52% | 63.15%-47.6pp | 66.58%-51.1pp | 31.67%-16.1pp |
| Employer contribution / active EE | $1,578 | $3,054-48.3% | $4,554-65.3% | $2,019-21.8% |
| Participant deferral / active EE | $2,966 | $5,932-50.0% | $7,897-62.4% | $3,358-11.7% |
| Admin fee / account holder | $9,900 | $3,313+198.8% | $13,129-24.6% | $3,203+209.1% |