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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 | $94,291 | $73,787+27.8% | $98,716-4.5% | $82,448+14.4% |
| Participation rate | 35.5% | 61.4%-25.9pp | 69.3%-33.8pp | 68.1%-32.6pp |
| Annual return | 18.09% | 18.57%-0.5pp | 31.81%-13.7pp | 41.64%-23.6pp |
| Employer contribution / active EE | $932 | $1,511-38.3% | $2,279-59.1% | $2,551-63.5% |
| Participant deferral / active EE | $4,346 | $3,081+41.1% | $4,048+7.4% | $4,139+5.0% |
| Admin fee / account holder | $7,528 | $6,500+15.8% | $8,703-13.5% | $7,234+4.1% |