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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 | $72,607+48.9% | $90,259+19.8% | $87,485+23.6% |
| Participation rate | 33.0% | 64.8%-31.8pp | 70.7%-37.8pp | 68.9%-35.9pp |
| Annual return | 14.30% | 18.59%-4.3pp | 18.88%-4.6pp | 26.06%-11.8pp |
| Employer contribution / active EE | $1,090 | $1,919-43.2% | $2,291-52.4% | $2,596-58.0% |
| Participant deferral / active EE | $2,298 | $3,055-24.8% | $3,827-39.9% | $4,274-46.2% |
| Admin fee / account holder | $8,677 | $5,947+45.9% | $7,267+19.4% | $7,775+11.6% |