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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 | $104,282 | $87,059+19.8% | $105,608-1.3% | $80,925+28.9% |
| Participation rate | 30.6% | 70.4%-39.8pp | 75.3%-44.6pp | 67.7%-37.0pp |
| Annual return | 16.80% | 17.05%-0.3pp | 116.50%-99.7pp | 35.65%-18.9pp |
| Employer contribution / active EE | $1,049 | $2,396-56.2% | $3,167-66.9% | $2,756-61.9% |
| Participant deferral / active EE | $1,752 | $3,986-56.0% | $5,010-65.0% | $4,299-59.2% |
| Admin fee / account holder | $6,424 | $8,443-23.9% | $11,028-41.7% | $6,940-7.4% |