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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 | $98,379 | $86,938+13.2% | $102,423-3.9% | $80,925+21.6% |
| Participation rate | 21.3% | 72.4%-51.1pp | 76.5%-55.3pp | 67.7%-46.4pp |
| Annual return | 16.10% | 18.89%-2.8pp | 29.42%-13.3pp | 35.65%-19.5pp |
| Employer contribution / active EE | $712 | $2,369-69.9% | $3,023-76.4% | $2,756-74.2% |
| Participant deferral / active EE | $2,016 | $4,120-51.1% | $5,054-60.1% | $4,299-53.1% |
| Admin fee / account holder | $1,959 | $8,053-75.7% | $9,455-79.3% | $6,940-71.8% |