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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 | $97,016 | $95,084+2.0% | $140,514-31.0% | $69,733+39.1% |
| Participation rate | 37.4% | 68.7%-31.3pp | 77.8%-40.4pp | 62.5%-25.0pp |
| Annual return | 13.99% | 18.56%-4.6pp | 14.36%-0.4pp | 15.22%-1.2pp |
| Employer contribution / active EE | $847 | $2,405-64.8% | $3,378-74.9% | $2,250-62.4% |
| Participant deferral / active EE | $2,080 | $3,868-46.2% | $4,919-57.7% | $3,054-31.9% |
| Admin fee / account holder | $10,198 | $4,885+108.8% | $13,697-25.6% | $3,102+228.7% |