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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 | $92,155 | $86,949+6.0% | $102,460-10.1% | $80,959+13.8% |
| Participation rate | 42.7% | 72.4%-29.7pp | 76.5%-33.8pp | 67.7%-25.0pp |
| Annual return | 12.91% | 18.89%-6.0pp | 29.47%-16.6pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,321 | $2,370-44.3% | $3,025-56.3% | $2,757-52.1% |
| Participant deferral / active EE | $3,154 | $4,121-23.5% | $5,056-37.6% | $4,300-26.6% |
| Admin fee / account holder | $2,666 | $8,048-66.9% | $9,460-71.8% | $6,925-61.5% |