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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 | $98,554 | $65,246+51.1% | $98,716-0.2% | $67,986+45.0% |
| Participation rate | 36.7% | 51.4%-14.8pp | 69.3%-32.6pp | 57.2%-20.5pp |
| Annual return | 17.28% | 20.58%-3.3pp | 31.81%-14.5pp | 31.67%-14.4pp |
| Employer contribution / active EE | $646 | $1,042-38.0% | $2,279-71.7% | $2,019-68.0% |
| Participant deferral / active EE | $2,926 | $2,594+12.8% | $4,048-27.7% | $3,358-12.9% |
| Admin fee / account holder | $6,032 | $4,561+32.3% | $8,703-30.7% | $3,203+88.3% |