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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 | $85,515+13.4% | $112,040-13.4% | $67,986+42.7% |
| Participation rate | 37.4% | 68.2%-30.8pp | 76.5%-39.0pp | 57.2%-19.8pp |
| Annual return | 13.99% | 29.68%-15.7pp | 24.52%-10.5pp | 31.67%-17.7pp |
| Employer contribution / active EE | $847 | $2,191-61.4% | $2,954-71.3% | $2,019-58.1% |
| Participant deferral / active EE | $2,080 | $4,014-48.2% | $5,098-59.2% | $3,358-38.1% |
| Admin fee / account holder | $10,198 | $3,774+170.2% | $12,098-15.7% | $3,203+218.4% |