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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 | $82,202 | $56,544+45.4% | $75,501+8.9% | $70,126+17.2% |
| Participation rate | 22.4% | 68.1%-45.7pp | 72.4%-49.9pp | 69.5%-47.1pp |
| Annual return | 14.58% | 23.59%-9.0pp | 27.35%-12.8pp | 73.15%-58.6pp |
| Employer contribution / active EE | $657 | $1,817-63.8% | $2,352-72.0% | $2,343-71.9% |
| Participant deferral / active EE | $1,669 | $2,580-35.3% | $3,142-46.9% | $3,332-49.9% |
| Admin fee / account holder | $7,195 | $3,827+88.0% | $5,801+24.0% | $4,645+54.9% |