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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 | $82,819 | $73,787+12.2% | $98,716-16.1% | $82,448+0.4% |
| Participation rate | 15.9% | 61.4%-45.5pp | 69.3%-53.4pp | 68.1%-52.2pp |
| Annual return | 14.13% | 18.57%-4.4pp | 31.81%-17.7pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,462 | $1,511-3.2% | $2,279-35.8% | $2,551-42.7% |
| Participant deferral / active EE | $4,475 | $3,081+45.2% | $4,048+10.6% | $4,139+8.1% |
| Admin fee / account holder | $4,828 | $6,500-25.7% | $8,703-44.5% | $7,234-33.3% |