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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 | $81,403+15.3% | $147,027-36.2% | $87,485+7.3% |
| Participation rate | 43.2% | 63.4%-20.3pp | 73.7%-30.6pp | 68.9%-25.7pp |
| Annual return | 15.15% | 16.51%-1.4pp | 20.23%-5.1pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,142 | $2,205-48.2% | $3,626-68.5% | $2,596-56.0% |
| Participant deferral / active EE | $2,819 | $3,315-15.0% | $4,933-42.8% | $4,274-34.0% |
| Admin fee / account holder | $838 | $6,755-87.6% | $12,223-93.1% | $7,775-89.2% |