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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 | $93,836 | $77,896+20.5% | $134,172-30.1% | $82,448+13.8% |
| Participation rate | 43.2% | 62.8%-19.6pp | 72.5%-29.3pp | 68.1%-24.9pp |
| Annual return | 15.15% | 18.21%-3.1pp | 25.30%-10.1pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,142 | $2,159-47.1% | $3,420-66.6% | $2,551-55.3% |
| Participant deferral / active EE | $2,819 | $3,162-10.8% | $4,690-39.9% | $4,139-31.9% |
| Admin fee / account holder | $838 | $6,336-86.8% | $12,016-93.0% | $7,234-88.4% |