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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 | $90,742 | $100,194-9.4% | $122,979-26.2% | $86,983+4.3% |
| Participation rate | 58.3% | 73.0%-14.6pp | 77.2%-18.9pp | 69.5%-11.2pp |
| Annual return | 13.24% | 16.47%-3.2pp | 20.12%-6.9pp | 25.83%-12.6pp |
| Employer contribution / active EE | $1,450 | $2,326-37.7% | $3,062-52.7% | $2,584-43.9% |
| Participant deferral / active EE | $2,846 | $4,133-31.1% | $5,003-43.1% | $4,194-32.1% |
| Admin fee / account holder | $20,923 | $10,148+106.2% | $12,864+62.6% | $7,856+166.3% |