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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 | $89,064 | $78,423+13.6% | $95,964-7.2% | $79,856+11.5% |
| Participation rate | 42.2% | 73.5%-31.3pp | 77.1%-34.9pp | 69.6%-27.4pp |
| Annual return | 14.42% | 19.37%-5.0pp | 91.64%-77.2pp | 31.71%-17.3pp |
| Employer contribution / active EE | $1,345 | $1,945-30.9% | $2,541-47.1% | $2,471-45.6% |
| Participant deferral / active EE | $2,482 | $3,440-27.9% | $4,167-40.4% | $3,741-33.7% |
| Admin fee / account holder | $2,782 | $5,622-50.5% | $6,797-59.1% | $5,306-47.6% |