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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 | $89,682 | $60,349+48.6% | $74,184+20.9% | $62,881+42.6% |
| Participation rate | 50.0% | 72.7%-22.7pp | 76.6%-26.6pp | 69.3%-19.3pp |
| Annual return | 6.55% | 21.38%-14.8pp | 17.74%-11.2pp | 20.14%-13.6pp |
| Employer contribution / active EE | $798 | $1,680-52.5% | $2,370-66.3% | $2,281-65.0% |
| Participant deferral / active EE | $2,690 | $2,856-5.8% | $3,550-24.2% | $3,203-16.0% |
| Admin fee / account holder | $6,213 | $4,261+45.8% | $5,586+11.2% | $4,296+44.6% |