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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 | $104,149 | $78,690+32.4% | $161,489-35.5% | $87,485+19.0% |
| Participation rate | 56.0% | 67.5%-11.5pp | 78.7%-22.7pp | 68.9%-12.9pp |
| Annual return | 21.24% | 32.74%-11.5pp | 89.72%-68.5pp | 26.06%-4.8pp |
| Employer contribution / active EE | $892 | $2,588-65.5% | $4,268-79.1% | $2,596-65.6% |
| Participant deferral / active EE | $3,835 | $3,311+15.8% | $5,630-31.9% | $4,274-10.3% |
| Admin fee / account holder | $1,637 | $6,724-75.6% | $16,006-89.8% | $7,775-78.9% |