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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 | $75,541+21.6% | $152,093-39.6% | $82,637+11.2% |
| Participation rate | 34.9% | 66.5%-31.7pp | 77.8%-42.9pp | 68.1%-33.2pp |
| Annual return | 19.33% | 32.56%-13.2pp | 66.36%-47.0pp | 53.51%-34.2pp |
| Employer contribution / active EE | $1,525 | $2,622-41.8% | $4,175-63.5% | $2,552-40.2% |
| Participant deferral / active EE | $3,518 | $3,206+9.8% | $5,451-35.5% | $4,126-14.7% |
| Admin fee / account holder | $988 | $6,405-84.6% | $14,497-93.2% | $7,339-86.5% |