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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 | $91,885 | $76,407+20.3% | $150,298-38.9% | $82,448+11.4% |
| Participation rate | 34.9% | 66.4%-31.5pp | 77.8%-42.9pp | 68.1%-33.2pp |
| Annual return | 19.33% | 39.99%-20.7pp | 62.79%-43.5pp | 41.64%-22.3pp |
| Employer contribution / active EE | $1,525 | $2,614-41.6% | $4,154-63.3% | $2,551-40.2% |
| Participant deferral / active EE | $3,518 | $3,214+9.5% | $5,453-35.5% | $4,139-15.0% |
| Admin fee / account holder | $988 | $6,352-84.4% | $14,116-93.0% | $7,234-86.3% |