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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 | $84,271 | $60,349+39.6% | $74,184+13.6% | $62,881+34.0% |
| Participation rate | 16.9% | 72.7%-55.9pp | 76.6%-59.8pp | 69.3%-52.5pp |
| Annual return | 6.93% | 21.38%-14.4pp | 17.74%-10.8pp | 20.14%-13.2pp |
| Employer contribution / active EE | $831 | $1,680-50.6% | $2,370-64.9% | $2,281-63.6% |
| Participant deferral / active EE | $1,420 | $2,856-50.3% | $3,550-60.0% | $3,203-55.7% |
| Admin fee / account holder | $2,294 | $4,261-46.2% | $5,586-58.9% | $4,296-46.6% |