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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 | $79,867+21.5% | $120,344-19.4% | $64,340+50.8% |
| Participation rate | 37.4% | 63.0%-25.5pp | 76.7%-39.3pp | 55.2%-17.8pp |
| Annual return | 13.99% | 21.10%-7.1pp | 20.30%-6.3pp | 24.14%-10.2pp |
| Employer contribution / active EE | $847 | $1,925-56.0% | $3,020-72.0% | $1,862-54.5% |
| Participant deferral / active EE | $2,080 | $3,593-42.1% | $5,135-59.5% | $2,980-30.2% |
| Admin fee / account holder | $10,198 | $5,039+102.4% | $12,742-20.0% | $3,703+175.4% |