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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 | $86,656 | $71,197+21.7% | $93,669-7.5% | $80,925+7.1% |
| Participation rate | 28.9% | 60.4%-31.4pp | 68.7%-39.8pp | 67.7%-38.7pp |
| Annual return | 12.91% | 11.27%+1.6pp | 133.59%-120.7pp | 35.65%-22.7pp |
| Employer contribution / active EE | $1,456 | $1,565-7.0% | $2,424-39.9% | $2,756-47.2% |
| Participant deferral / active EE | $3,801 | $4,036-5.8% | $4,416-13.9% | $4,299-11.6% |
| Admin fee / account holder | $22,234 | $6,959+219.5% | $8,291+168.2% | $6,940+220.4% |