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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 | $113,617 | $75,541+50.4% | $152,093-25.3% | $82,637+37.5% |
| Participation rate | 39.3% | 66.5%-27.3pp | 77.8%-38.5pp | 68.1%-28.8pp |
| Annual return | 19.44% | 32.56%-13.1pp | 66.36%-46.9pp | 53.51%-34.1pp |
| Employer contribution / active EE | $1,544 | $2,622-41.1% | $4,175-63.0% | $2,552-39.5% |
| Participant deferral / active EE | $2,974 | $3,206-7.2% | $5,451-45.4% | $4,126-27.9% |
| Admin fee / account holder | $1,457 | $6,405-77.2% | $14,497-89.9% | $7,339-80.1% |