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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 | $88,783 | $43,075+106.1% | $74,577+19.0% | $62,881+41.2% |
| Participation rate | 46.2% | 58.1%-11.9pp | 68.1%-22.0pp | 69.3%-23.2pp |
| Annual return | 7.90% | 17.50%-9.6pp | 20.47%-12.6pp | 20.14%-12.2pp |
| Employer contribution / active EE | $765 | $1,498-48.9% | $2,525-69.7% | $2,281-66.5% |
| Participant deferral / active EE | $1,032 | $2,389-56.8% | $3,458-70.2% | $3,203-67.8% |
| Admin fee / account holder | $1,033 | $2,840-63.6% | $4,138-75.0% | $4,296-75.9% |