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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 | $97,922 | $81,504+20.1% | $102,437-4.4% | $80,959+21.0% |
| Participation rate | 47.7% | 66.9%-19.2pp | 74.5%-26.8pp | 67.7%-20.0pp |
| Annual return | 17.07% | 25.60%-8.5pp | 24.95%-7.9pp | 35.67%-18.6pp |
| Employer contribution / active EE | $8,299 | $3,104+167.4% | $3,871+114.4% | $2,757+201.0% |
| Participant deferral / active EE | $1,753 | $3,871-54.7% | $5,060-65.4% | $4,300-59.2% |
| Admin fee / account holder | $3,878 | $6,719-42.3% | $8,388-53.8% | $6,925-44.0% |