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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 | $123,608 | $106,749+15.8% | $145,433-15.0% | $82,448+49.9% |
| Participation rate | 41.1% | 75.6%-34.6pp | 82.1%-41.0pp | 68.1%-27.0pp |
| Annual return | 15.93% | 27.59%-11.7pp | 66.58%-50.6pp | 41.64%-25.7pp |
| Employer contribution / active EE | $712 | $3,444-79.3% | $4,554-84.4% | $2,551-72.1% |
| Participant deferral / active EE | $4,114 | $6,519-36.9% | $7,897-47.9% | $4,139-0.6% |
| Admin fee / account holder | $1,938 | $8,390-76.9% | $13,129-85.2% | $7,234-73.2% |