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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 | $91,119 | $73,787+23.5% | $98,716-7.7% | $82,448+10.5% |
| Participation rate | 37.5% | 61.4%-23.9pp | 69.3%-31.8pp | 68.1%-30.6pp |
| Annual return | 14.75% | 18.57%-3.8pp | 31.81%-17.1pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,148 | $1,511-24.0% | $2,279-49.6% | $2,551-55.0% |
| Participant deferral / active EE | $3,481 | $3,081+13.0% | $4,048-14.0% | $4,139-15.9% |
| Admin fee / account holder | $8,912 | $6,500+37.1% | $8,703+2.4% | $7,234+23.2% |