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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 | $81,446+20.2% | $103,374-5.3% | $80,874+21.1% |
| Participation rate | 47.7% | 66.9%-19.2pp | 74.5%-26.8pp | 67.6%-20.0pp |
| Annual return | 17.07% | 25.57%-8.5pp | 24.89%-7.8pp | 35.62%-18.6pp |
| Employer contribution / active EE | $8,299 | $3,107+167.1% | $3,869+114.5% | $2,756+201.2% |
| Participant deferral / active EE | $1,753 | $3,870-54.7% | $5,058-65.3% | $4,297-59.2% |
| Admin fee / account holder | $3,878 | $6,715-42.2% | $8,394-53.8% | $6,935-44.1% |