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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 | $98,095 | $85,515+14.7% | $112,040-12.4% | $67,986+44.3% |
| Participation rate | 45.4% | 68.2%-22.8pp | 76.5%-31.1pp | 57.2%-11.8pp |
| Annual return | 14.48% | 29.68%-15.2pp | 24.52%-10.0pp | 31.67%-17.2pp |
| Employer contribution / active EE | $1,341 | $2,191-38.8% | $2,954-54.6% | $2,019-33.6% |
| Participant deferral / active EE | $3,744 | $4,014-6.7% | $5,098-26.6% | $3,358+11.5% |
| Admin fee / account holder | $10,894 | $3,774+188.7% | $12,098-10.0% | $3,203+240.1% |