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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 | $122,413 | $95,453+28.2% | $112,040+9.3% | $82,448+48.5% |
| Participation rate | 38.5% | 72.8%-34.3pp | 76.5%-38.0pp | 68.1%-29.6pp |
| Annual return | 14.59% | 23.92%-9.3pp | 24.52%-9.9pp | 41.64%-27.1pp |
| Employer contribution / active EE | $701 | $2,318-69.8% | $2,954-76.3% | $2,551-72.5% |
| Participant deferral / active EE | $2,161 | $4,224-48.8% | $5,098-57.6% | $4,139-47.8% |
| Admin fee / account holder | $8,075 | $9,013-10.4% | $12,098-33.3% | $7,234+11.6% |