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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 | $94,474 | $73,787+28.0% | $98,716-4.3% | $82,448+14.6% |
| Participation rate | 30.6% | 61.4%-30.8pp | 69.3%-38.6pp | 68.1%-37.4pp |
| Annual return | 15.73% | 18.57%-2.8pp | 31.81%-16.1pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,723 | $1,511+14.0% | $2,279-24.4% | $2,551-32.5% |
| Participant deferral / active EE | $4,027 | $3,081+30.7% | $4,048-0.5% | $4,139-2.7% |
| Admin fee / account holder | $3,768 | $6,500-42.0% | $8,703-56.7% | $7,234-47.9% |