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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 | $86,510 | $78,027+10.9% | $178,528-51.5% | $80,925+6.9% |
| Participation rate | 50.0% | 65.7%-15.7pp | 77.1%-27.1pp | 67.7%-17.7pp |
| Annual return | 12.19% | 18.09%-5.9pp | 27.11%-14.9pp | 35.65%-23.5pp |
| Employer contribution / active EE | $1,460 | $2,281-36.0% | $3,950-63.0% | $2,756-47.0% |
| Participant deferral / active EE | $3,283 | $4,408-25.5% | $6,278-47.7% | $4,299-23.6% |
| Admin fee / account holder | $3,212 | $7,168-55.2% | $10,419-69.2% | $6,940-53.7% |