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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 | $76,407+36.3% | $150,298-30.7% | $82,448+26.3% |
| Participation rate | 56.0% | 66.4%-10.4pp | 77.8%-21.8pp | 68.1%-12.1pp |
| Annual return | 21.24% | 39.99%-18.8pp | 62.79%-41.5pp | 41.64%-20.4pp |
| Employer contribution / active EE | $892 | $2,614-65.9% | $4,154-78.5% | $2,551-65.0% |
| Participant deferral / active EE | $3,835 | $3,214+19.3% | $5,453-29.7% | $4,139-7.3% |
| Admin fee / account holder | $1,637 | $6,352-74.2% | $14,116-88.4% | $7,234-77.4% |