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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 | $106,988 | $81,233+31.7% | $155,567-31.2% | $80,874+32.3% |
| Participation rate | 31.0% | 66.2%-35.2pp | 78.2%-47.2pp | 67.6%-36.7pp |
| Annual return | 15.81% | 33.33%-17.5pp | 64.74%-48.9pp | 35.62%-19.8pp |
| Employer contribution / active EE | $798 | $3,101-74.3% | $4,674-82.9% | $2,756-71.0% |
| Participant deferral / active EE | $1,551 | $3,452-55.1% | $5,628-72.4% | $4,297-63.9% |
| Admin fee / account holder | $3,326 | $7,998-58.4% | $15,916-79.1% | $6,935-52.0% |