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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 | $108,140 | $67,894+59.3% | $89,340+21.0% | $82,448+31.2% |
| Participation rate | 33.0% | 64.0%-31.1pp | 69.6%-36.6pp | 68.1%-35.1pp |
| Annual return | 14.30% | 19.21%-4.9pp | 20.57%-6.3pp | 41.64%-27.3pp |
| Employer contribution / active EE | $1,090 | $1,828-40.4% | $2,231-51.1% | $2,551-57.3% |
| Participant deferral / active EE | $2,298 | $3,072-25.2% | $3,823-39.9% | $4,139-44.5% |
| Admin fee / account holder | $8,677 | $5,723+51.6% | $6,704+29.4% | $7,234+19.9% |