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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 | $88,083 | $81,276+8.4% | $155,574-43.4% | $80,925+8.8% |
| Participation rate | 49.1% | 66.2%-17.1pp | 78.2%-29.1pp | 67.7%-18.5pp |
| Annual return | 11.91% | 33.36%-21.4pp | 64.87%-53.0pp | 35.65%-23.7pp |
| Employer contribution / active EE | $2,035 | $3,103-34.4% | $4,676-56.5% | $2,756-26.2% |
| Participant deferral / active EE | $3,911 | $3,453+13.3% | $5,629-30.5% | $4,299-9.0% |
| Admin fee / account holder | $3,462 | $7,993-56.7% | $15,914-78.2% | $6,940-50.1% |