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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 | $94,693 | $72,269+31.0% | $101,271-6.5% | $79,852+18.6% |
| Participation rate | 53.8% | 68.5%-14.6pp | 75.8%-22.0pp | 69.6%-15.8pp |
| Annual return | 12.79% | 22.29%-9.5pp | 46.48%-33.7pp | 31.72%-18.9pp |
| Employer contribution / active EE | $1,049 | $2,692-61.0% | $3,660-71.3% | $2,471-57.5% |
| Participant deferral / active EE | $2,624 | $3,282-20.0% | $4,371-40.0% | $3,740-29.8% |
| Admin fee / account holder | $6,079 | $4,401+38.1% | $5,948+2.2% | $5,306+14.6% |