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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 | $113,033 | $96,052+17.7% | $118,106-4.3% | $87,485+29.2% |
| Participation rate | 34.6% | 77.0%-42.4pp | 81.9%-47.3pp | 68.9%-34.3pp |
| Annual return | 15.82% | 24.16%-8.3pp | 19.44%-3.6pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,343 | $3,939-65.9% | $4,698-71.4% | $2,596-48.3% |
| Participant deferral / active EE | $2,755 | $5,793-52.4% | $6,619-58.4% | $4,274-35.5% |
| Admin fee / account holder | $1,773 | $7,618-76.7% | $8,973-80.2% | $7,775-77.2% |