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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 | $77,577 | $67,894+14.3% | $89,340-13.2% | $82,448-5.9% |
| Participation rate | 35.5% | 64.0%-28.6pp | 69.6%-34.1pp | 68.1%-32.6pp |
| Annual return | 16.48% | 19.21%-2.7pp | 20.57%-4.1pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,102 | $1,828-39.7% | $2,231-50.6% | $2,551-56.8% |
| Participant deferral / active EE | $1,722 | $3,072-43.9% | $3,823-54.9% | $4,139-58.4% |
| Admin fee / account holder | $2,407 | $5,723-57.9% | $6,704-64.1% | $7,234-66.7% |