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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 | $74,535+22.2% | $100,712-9.5% | $82,637+10.3% |
| Participation rate | 37.5% | 61.2%-23.7pp | 69.3%-31.8pp | 68.1%-30.6pp |
| Annual return | 14.75% | 18.92%-4.2pp | 33.27%-18.5pp | 53.51%-38.8pp |
| Employer contribution / active EE | $1,148 | $1,503-23.6% | $2,313-50.4% | $2,552-55.0% |
| Participant deferral / active EE | $3,481 | $3,074+13.3% | $4,085-14.8% | $4,126-15.6% |
| Admin fee / account holder | $8,912 | $6,576+35.5% | $9,256-3.7% | $7,339+21.4% |